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BBD HoloCredit

Financial Services Specialists, Leading FinTech

BBD Finance,based on the big data platform,outputs in depth four kinds of financial products with a highly professional team,such as credit investigation service, credit rating, risk pricing and asset securitization. Thereby we provide tools and a full range of pricing and risk management system for enterprises, and establish the dynamic financial service system to meet the modern information society demands.

Major products and Applications

HoloCredit

Massive enterprise behavior data

The world's top industry experts in the field of credit risk and market risk

Leading big data technology
Financial data service framework

HoloCredit is the "trinity" big data financial solution created by the top team of BBD with international vision. This program sets data, platform and application as a whole, which is a pioneer in the industry. It mainly utilizes the Leading big data processing, analysis and modeling technology in order to truly restore the user's credit level, behavior characteristics and risk portrait. It can automate the customer risk assessment, so that there is no need for banks to perform pre-loan due diligence and post-loan monitoring and warning. It really helps the bank customer exploration, credit approval, interest-rate pricing, loan quotas, monitoring and warning, forming a set of intelligent risk control decision-making program involving management before loan, processing in loan, management after loan. At present, the product has been launched in Bank of Chongqing, Bank of Guiyang and other Banks, and has entered the stage of scale usage.

Customers

Customers

Small Micro Credit Rating Project of Bank of Chongqing: "Holo Credit"

Introduction: on July 18, 2016, the big data financial risk control platform "Holo Credit," jointly built by BBD and the Bank of Chongqing, was launched and unveiled a series of "Holo Credit" products. Based on BBD's professional big data risk control platform, this product series relies on an Internet model to provide online instantaneously approved credit products for eligible small and micro businesses to facilitate their short-term production, operation and turnover. The product series has realized whole-process management on small and micro business loans including pre-loan investigation, review during the loan process, post-loan management and risk early-warning, remodeled the traditional small and micro credit businesses and effectively prevented individual moral hazards. The launch of this series of products has played an important and active role in the Bank of Chongqing's endeavors in resolving key issues in industries, implementing financial supply-side structural reform, practicing inclusive finance, supporting mass entrepreneurship and innovation, and improving the quality and efficiency of financial service for real economy. As of August 31 2017, "Holo Credit" has provided over RMB 1 billion in business loans for more than 2,000 small and micro enterprises, helping them to overcome financing difficulties.

Small Micro Credit Rating Project of Bank of Guiyang: "Tobacco E Credit"

Introduction: Under the promotion and support of the Municipal Party Committee and Government of the city of Guiyang, based on business scenario data, government data and an internationally leading big data risk control model, the Bank of Guiyang and Business Big Data have developed various credit projects that aim to serve small and micro business owners and individually-owned businesses. Among these products, "Tobacco E Credit" is a pure credit load product targeting individually-owned businesses and proprietors of sole proprietorship enterprises in possession of Retail License for Tobacco and in normal operation.

  • Main features:
  • Target customer group: licensed individually-owned businesses with normal operation for one year or more and "tobacco purchase records" for at least one year, or proprietor of the sole proprietorship enterprise who holds Retail License for Tobacco independently.
  • Facility limit: credit granting amount for a single business shall not exceed RMB 1 million (included).
  • Length of maturity:the credit term shall not exceed one year and single withdrawal and utilization shall not exceed one year.
  • Repayment: monthly average capital plus interest or monthly payment of interest, and repayment of principal due.

Small Micro Credit Rating Project of Huishang Bank: "Micro Internet Credit"

Introduction: In 2016, Business Big Data and Huishang Bank reached a strategic cooperation agreement and the two parties agreed to proceed with the "Micro Internet Credit" of Huishang Bank as the pilot project in promoting further in-depth strategic partnership.
At present, Business Big Data has successfully established a big data credit rating system for Huishang Bank, which is based on multi-directional data including socialized data, judicial data, industrial and commercial data, bank internal data. Founded upon its industry-leading big data processing, analyzing and modeling technology, Business Big Data has built a risk control credit model covering all loan stages including pre-loan risk inspection, rating decision during loan and post-loan risk control warning, while also realizing fully online automatic examination and approval of credit loans. Currently, the "Traditional Chinese Medicine Credit" user scenario has gone live at Huishang Bank. Multiple scenarios for directional loans based on supply chain platforms such as Heyigou, Shangyilian and Zhongzijiu, and those for credit loans based on existing commercial housing property customers, are under development and implementation.

Small Micro Credit Rating Project of Sichuan Tianfu Bank

Introduction:n August 2017, BBD and Sichuan Tianfu Bank launched a comprehensive and in-depth cooperation for small micro credit solutions. For Sichuan Tianfu Bank, BBD provided holistic solutions that are based on enterprises big data and included models, systems, and risk management strategies. Through a comprehensive understanding of key issues in the businesses, both parties started to reconstruct the small micro credit business process, so as to provide small and micro customers with convenient, efficient and quick financial services.
Based on BBD's big data source, the risk control model developed on the basis of big data frame can gather discrete information and represent the actual risks of an enterprise to the largest extent. In the process of cooperation with Sichuan Tianfu Bank, steps were taken to thoroughly explore customers demands, provide small micro rating system cluster establishment services based on the rating system as its core and underpinned by the three pillars of background configuration system, report monitoring system and customer query system. Finally, in respects to risk management strategies, related party data is introduced to represent risk conditions of the target party and target party enterprise to the maximum degree.

Innovative ideas for overall solutions

Innovative ideas for overall solutions

The difficulties of enterprise credit evaluation

in traditional mode

The innovative sections o

HoloCredit models

Rely heavily on financial data

Many enterprises provide distorted and even significant misleading financial repor,and even provide multiple sets of financial reports to different users.

View risks through Enterprise behavior

Reduce the dependence on financial reports, and more emphasis on capturing and analysising of corporate behavioral data to restore risk

Data is lack of timeliness

The ability to automatically collect users' information is the premise of automatic rating. However, the customer data is generally taken manually in the past business model. The update speed is slow and the cycle is too long to effectively support automatic rating and business approval.

Data collection automatically

Collecting customer information completely and automatically to ensure accuracy and enhance customer experience

Making decisions based on single-dimensional data

Based on the use of structured data, huge unstructured data cannot be effectively utilized, and based on the traditional credit rating analysis, it is impossible to describe the enterprise risk comprehensively

The perspective of holographic evaluation

On the basis of preserving the traditional credit rating dimension, adding a number of risk modules to provide a holographic view of credit evaluation

Customer information asymmetry

Tax and financial differences are far beyond reasonable range. The financing situation is concealed, the guarantee relation is complex, and there is the situation of related and internal transaction. Many enterprises participate in private lending, the company's assets also exist the possibility of multiple mortgages

Multi-source data can be verified

BBD integrates a large number of heterogeneous data, and based on the analysis of enterprise gene mapping, which makes the complex relationship of enterprises clear

Simple model without advanced big data modelling technology

Due to the lack of data and the limitations of methodology, traditional models tend to use a single module scoring card or traditional statistical model, which have poor stability and need to be constantly verified and reoptimized.

Innovating big data model

Based on the top level modeling technology in the industry, multi-module and expandable dynamic rating model is provided to overcome previous static rating drawbacks and effectively reduce risks

Rely heavily on financial data

Many enterprises provide distorted and even significant misleading financial reports, and even provide multiple sets of financial reports to different users.

View risks through Enterprise behaviors

Reduce the dependence on financial reports, and more emphasis on capturing and analysising of corporate behavioral data to restore risk

Data is lack of timeliness

The ability to automatically collect users' information is the premise of automatic rating. However, the customer data is generally taken manually in the past business model. The update speed is slow and the cycle is too long to effectively support automatic rating and business approval.

Data collection automatically

Collecting customer information completely and automatically to ensure accuracy and enhance customer experience

Making decisions based on single-dimensional data

Based on the use of structured data, huge unstructured data cannot be effectively utilized, and based on the traditional credit rating analysis, it is impossible to describe the enterprise risk comprehensively

The perspective of holographic evaluation

On the basis of preserving the traditional credit rating dimension, adding a number of risk modules to provide a holographic view of credit evaluation

Customer information asymmetry

Tax and financial differences are far beyond reasonable range. The financing situation is concealed, the guarantee relation is complex, and there is the situation of related and internal transaction. Many enterprises participate in private lending, the company's assets also exist the possibility of multiple mortgages;

Multi-source data can be verified

BBD integrates a large number of heterogeneous data, and based on the analysis of enterprise gene mapping, which makes the complex relationship of enterprises clear

Simple model without advanced big data modelling technology

Due to the lack of data and the limitations of methodology, traditional models tend to use a single module scoring card or traditional statistical model, which have poor stability and need to be constantly verified and reoptimized.

Innovating big data model

Based on the top level modeling technology in the industry, multi-module and expandable dynamic rating model is provided to overcome previous static rating drawbacks and effectively reduce risks

Overall, the data of BBD innovative credit rating method includes the data from more than 80 million enterprises behavior and Kunlun large data platform. The method focuses on the information of industry, related party information, property right information, risk KPI information,litigation information and other sources of information. It can provide a multi-module and scalable dynamic rating models to overcome the disadvantages of static rating and effectively reduce risks.

Innovation of risk control model

The model innovatively builds closed-loop data, and embeds holographic small and micro enterprises risk assessment solutions, which can identify risks effectively, shorten approval time, improve the efficiency of loan experience, reduce operating costs. And form a whole set of intelligent risk control solutions before loan, processing in loan, management after loan.

Innovation to get customers

Innovating scene product, which uses the Internet has the superiority of users and channel entries, effectively breaks through the geographical distance and limit, and improves the capability of the connected users. Moreover it effectively controls risks while acquiring customers, and achieves a revolutionary breakthrough in the way to get customers.

Innovation of service experience

With the help of Internet information technology, clients of the bank are not subject to the time and space restrictions. The information screening and matching can be accomplished more quickly through online platforms. Complete online operation, accelerates the automatic feedback approval results, and innovates the customer financial service experience.

BBD FINTECH

View more

Solve the key problem on financing by middle and small-sized enterprises with the big data intelligent decision-making engine which has a leading-edge within the industry, the application of artificial intelligence & big data technology and data financialization, restore the operation, credit level and HIGGS PIVOTVIEWER on risks of small businesses by taking advantage of the abundance, high-dimension and real-time properties of big data based on big data and by integrating traditional bank data and data of commerce & industry authorities and courts. Needless for financial institutions to conduct complex and tedious due diligence before loaning and heavy-load monitoring & early-warning after loaning in order to help financial institutions to form an intelligent solution on decision-making before, midst and after loaning.

Data anti-fraud

It has built a BBD data anti-fraud model system by further data digging; this system includes the data blacklist, illegal fund raising and risk sensitivity early warning and monitoring for "abnormal behaviours of enterprises". It builds a special risk identification model via information tracking and inertia of events in order to find anti-fraud risk of data in time.

Intelligent financing & consulting strategy

Intelligent financing & consulting is suitable for various financial products of the financial institution. It conducts intelligent matching and optimizes product strategies according to market positioning, risk positioning and positioning demand of the product as well as covers multi-dimension strategy elements and provides online & offline compatible integrated strategy solutions.

Real-time dynamic early warning

It monitors the post-loaning operation of enterprises, restore abnormal behaviors of enterprises and risk conditions of enterprises, helps financial institutions judge enterprise risks in a multi-dimension, efficient, real-time or advanced way, takes relevant control measures and provides intelligent early warning plans.

Intelligent decision-making analysis

The innovative hierarchical intelligent rating engine built based on technologies such as big data, artificial intelligence and machine learning is used to calculate the lowest interest rate and quota of the product in a dynamic way and capable for multi-dimension learning, behaviour learning and independent learning on risks.

Small business portrait

It restores the operation scale, operation stability, operation growth, operation profitability, and so on of enterprises through big data and integrates government data and scene data in order to determine the risks of small businesses in a multi-dimension and multi-level way.

  • Intelligent financing & consulting strategy

    Intelligent financing & consulting is suitable for various financial products of the financial institution. It conducts intelligent matching and optimizes product strategies according to market positioning, risk positioning and positioning demand of the product as well as covers multi-dimension strategy elements and provides online & offline compatible integrated strategy solutions.

  • Data anti-fraud

    It has built a BBD data anti-fraud model system by further data digging; this system includes the data blacklist, illegal fund raising and risk sensitivity early warning and monitoring for "abnormal behaviours of enterprises". It builds a special risk identification model via information tracking and inertia of events in order to find anti-fraud risk of data in time.

  • Intelligent decision-making analysis

    The innovative hierarchical intelligent rating engine built based on technologies such as big data, artificial intelligence and machine learning is used to calculate the lowest interest rate and quota of the product in a dynamic way and capable for multi-dimension learning, behaviour learning and independent learning on risks.

  • Real-time dynamic early warning

    It monitors the post-loaning operation of enterprises, restore abnormal behaviors of enterprises and risk conditions of enterprises, helps financial institutions judge enterprise risks in a multi-dimension, efficient, real-time or advanced way, takes relevant control measures and provides intelligent early warning plans.

  • Small business portrait

    It restores the operation scale, operation stability, operation growth, operation profitability, and so on of enterprises through big data and integrates government data and scene data in order to determine the risks of small businesses in a multi-dimension and multi-level way.

We are dedicated to helping financial institutions on strategic transformation of small business, transforming traditional business processes via financial technology, optimizing customer channels via big data, building automatic & intelligent risk control means and providing excellent customer experience.

Credit business

Provide traditional financial institutions with online credit loan products of their own characteristics by combining BBD "small" data and "big" data inside and outside of financial institutions, lower the cost on time and management and provide customers with better experience. Besides, financial institutions can effectively carry out automatic risk control and business transformation via the BBD big data risk control system and gain unique competitive advantages that are different with Internet finance.

Mortgage business

It usually require to handle complex and tedious offline procedures and inconsistent valuation system for the traditional mortgage business. It can help financial institutions effectively control the cost of time and management before, midst and after loaning and enhance the automatic risk control capability by creating online standard mortgage products, follow the credit level of customers and the value of mortgages in a precise and dynamic way as well as adjust the line of credit in a flexible way.

Credit insurance business

BBD and insurance companies provide credit insurance products for middle and small-sized enterprises with joint efforts and form product combination advantages with banks and insurance companies in order to make customers get more valuable services and more attractive financing quota with the same cost. Besides, it will also make different financial institutions conduct relevant work division and cooperation based on their risk preference so as to create values for insurance companies, banks and enterprises.

Supply chain business

We are dedicated to jointly building convenient, secure and reliable financing channels with core enterprises, supply chain platforms and financial institutions. Small businesses can get financing beyond the flow quota limit of the supply chain via the big data supply chain financing channel built by multiple parties and financial institutions can also truly provide customers that carry out honest operation and abide by transaction rules with continuous in-depth services.
  • Credit business

    Provide traditional financial institutions with online credit loan products of their own characteristics by combining BBD "small" data and "big" data inside and outside of financial institutions, lower the cost on time and management and provide customers with better experience. Besides, financial institutions can effectively carry out automatic risk control and business transformation via the BBD big data risk control system and gain unique competitive advantages that are different with Internet finance.

  • Mortgage business

    It usually require to handle complex and tedious offline procedures and inconsistent valuation system for the traditional mortgage business. It can help financial institutions effectively control the cost of time and management before, midst and after loaning and enhance the automatic risk control capability by creating online standard mortgage products, follow the credit level of customers and the value of mortgages in a precise and dynamic way as well as adjust the line of credit in a flexible way.

  • Credit insurance business

    BBD and insurance companies provide credit insurance products for middle and small-sized enterprises with joint efforts and form product combination advantages with banks and insurance companies in order to make customers get more valuable services and more attractive financing quota with the same cost. Besides, it will also make different financial institutions conduct relevant work division and cooperation based on their risk preference so as to create values for insurance companies, banks and enterprises.

  • Supply chain business

    We are dedicated to jointly building convenient, secure and reliable financing channels with core enterprises, supply chain platforms and financial institutions. Small businesses can get financing beyond the flow quota limit of the supply chain via the big data supply chain financing channel built by multiple parties and financial institutions can also truly provide customers that carry out honest operation and abide by transaction rules with continuous in-depth services.

We have developed a full stack product line with cloud, client and mobile terminals suitable for big data loan businesses, capable of providing various financial institutions with innovative scene product solutions, meeting the demand of various data application services and helping financial institutions expand service customer clusters, service channels and service types.

金融——产品

Intelligent decision-making engine of Haorui Yinxin

The intelligent decision-making engine provides financial institutions with standard embedded solutions for online big data loan businesses based on the big data interpretation, risk analysis, product design and scene application capabilities which have a leading edge within the industry and by integrating the big data application tools on online anti-fraud, product strategy,intelligent rating, dynamic pricing, quota management, real-time early-warning intelligent decision-making function, combined management, pivotviewer analysis, mapping perspective and migration analysis that cover the whole process before, midst and after loaning in order to help financial institutions realize "Internet+" transfer, expand business channels, build automatic intelligent risk control capability, enhance scene products, promote efficiency on examination and approval and improve customer experience.

    Product features

  • Bank port access management
  • Bank management services
  • Data statistics
金融——产品
金融——产品
金融——产品

Qianliyan

The Qianliyan post-loan management tool for banks (Qianliyan for short) is a post-loan management tool specially designed and developed for banks by BBD. Qianliyan can provide banks with professional and comprehensive post-loan monitoring and management services. It is capable of providing customer managers with standard investigation processes, effective evidence collection and storage method, simplifying the post-loan report writing process and automatically generating post-loan reports by means of APP+PC. Besides, it can send banks with dynamic information of loan-borrowing enterprises at regular time in order to closely follow the conditions of the enterprises.

    Product features

  • Bank port access management
  • Bank management services
  • Data statistics
  • Enterprise identity authentication
  • Enterprise compliance data authorization