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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

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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