Extract variables with high stability and predictive ability from the massive consumption features, travel features, Internet behavior features, credit records and other information and substitute them into the statistical models and machine learning models, so as to build a personal risk scorecard model to assess the risks of loan applicants accurately and quickly, thus helping clients identify risks in the loan underwriting, credit line adjustment, credit and other links and realize risk defense.
Loan institutions can call Tongdun Zhixin Score in a real-time manner, the value of which directly reflects the risk of those being reviewed.
Tongdun Zhixin Score (general score) can reflect the delinquency risk of those being reviewed within whole industry.
Tongdun Zhixin Score (payday loan and microfinance credit score) can reflect The delinquency risk of those being reviewed in products with low limits and short repayment periods.
Tongdun Zhixin Score (consumer finance score) can reflect the delinquency risk of those being reviewed on consumer finance platforms.
Tongdun Zhixin Score covers over 100 million people, especially those online, and the coverage of offline people is increasing gradually.
Tongdun Zhixin Score supports the online (real-time) calling mode, helping the loan platforms to realize in-second approval and lending.
The data sources of Tongdun Zhixin Score hold high standards in stability, coverage and diversity.
The models of Tongdun Zhixin Score combine the advantages of stability and easy interpretation of traditional models as well as high accuracy and discrimination of advanced machine learning models.