This process provides a set of credit risk management services for credit institutions targeting the post-loan management link. By scanning borrower’s new risks, such as loan applications in other platforms, delinquency in other platforms, bad credit records in court, execution records in court, delinquency of student loans, disable mobile phone numbers and changes of borrower’s usual address and work address, it helps clients promptly discover problems that may be detrimental to the repayment timely and adjust collection strategies.