Shulou(Shulou.com)06/02 Report--

As a key part of the disposal of non-performing assets after financial loans, the market capacity of the collection industry is directly linked to the scale of non-performing assets. Relevant data show that by the end of the third quarter of 2019, the balance of non-performing loans of commercial banks reached 2.37 trillion yuan.

Under the gestation of this trillion-sized market, the volume of the collection industry can not be underestimated. Under the situation of strict supervision that the state attaches great importance to compliance, how to improve the effect-oriented collection and disposal of non-performing assets is imminent.

As a professional non-performing assets disposal service organization, Chumi Technology independently developed a full-process intelligent management SaaS system for non-performing assets, which comprehensively uses data mining and artificial intelligence voice technology, uses big data model to evaluate the quality of non-performing assets, and establishes a batch intelligent collection strategy, in order to achieve AI intelligent interactive collection.

The full-process intelligent management of non-performing assets SaaS system is based on deep learning and cross-platform voice exchange engine architecture. The core technologies adopted are TensorFlow, FreeSWitch, WebRTC, intelligent voice (ASR, TTS, NLP), and voice stream (RTP, SIP).

At present, Tumi Technology has provided one-stop intelligent collection and post-loan management solutions for nearly 100 financial institutions, and has been recognized by a number of well-known domestic licensees.

Intelligent collection plus financial risk control

Collection is the last line of defense of asset quality control, which not only determines the asset quality and profitability of financial institutions, but also related to the risk control and healthy development of the whole credit industry.

In the traditional era of collection, collection operations mainly rely on manual work through the formation of teams of thousands of people for phone calls, text messages or door-to-door homework. However, with the geometric growth of post-loan business, the manual collection mode is gradually difficult to meet the needs of enterprises, and there are problems of low efficiency and high cost of human resources.

On the other hand, the intelligent collection system can effectively supplement and upgrade the shortage of manual collection, realize the accurate identification of the user's intention, and conduct several rounds of dialogue with the user on the basis of fully understanding the user's intention, so as to enhance the borrower's willingness to repay the loan. In order to effectively improve the efficiency and quality of collection operations.

The payback effect of Chumi Technology's AI voice intelligent collection system is 80-85% of that of labor in the same period, and the recovery cost of 10,000 yuan can be reduced to 20-25% of labor, and the compliance index is 10-15 times higher than that of labor in the same period, greatly improving the overall efficiency and quality of collection, and avoiding the possible non-standard situation of labor.

The technology of scientific and technological assists still needs to be ploughed.

The report points out that financial technology has not only changed front-end businesses such as marketing and customer acquisition, but is also driving changes in the background-smart collection has sprung up in the past two years with the help of technology. However, from a technical point of view, how to build a knowledge base automatically and better absorb knowledge and common sense, so as to improve the reasoning ability of the robot, is still the focus of a breakthrough in this field.

The AI intelligent speech collection system of Chumi Technology combines machine learning, deep learning and big data analysis technology, uses AI technologies such as speech recognition, speech synthesis and natural semantic understanding, and integrates the IVR platform to greatly improve the accurate recognition of users' intentions. It only believes that the non-performing assets management system fits all kinds of post-loan risk management and collection scenarios, intelligently divides cases and forms integrated strategies and operation management services such as case tracking, overdue reminder, overdue collection and so on.

At present, Tumi Technology has established an efficient, intelligent and compliant SaaS system for the intelligent management of non-performing assets with intelligent collection system as the center, intelligent outbound call, intelligent quality inspection and customer call center, which has become a strong assist for post-loan management and non-performing assets disposal industry.

In the future, the SaaS system of intelligent management of non-performing assets in the whole process of Tumi Technology will further cultivate the application and extension of the scene, continue to take new technologies such as artificial intelligence as the core elements, upgrade to more intelligent, compliant and humanized, and make an example and contribution to the healthy development of the industry.

Under the background of stricter financial supervision, finance should return to its essence and strengthen the construction of risk control capacity, and the core issue of risk control is to do a good job in post-loan management. New technologies such as artificial intelligence, big data and cloud computing are comprehensively empowering the financial field, helping to expand the breadth and depth of the disposal of non-performing assets in financial institutions. The intelligent management SaaS system of non-performing assets represented by Chumi Technology will further reduce the cost of non-performing assets management and improve the efficiency of non-performing assets management.

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