Research On Post-loan Management Of Consumer Credit Based On Artificial Intelligence

In recent years,as the rapid development of the internet industry and consumer finance industry,financial companies are springing up quickly,these changes has a huge impact to the development of the traditional banking industry.With the rapid development of Internet finance,great changes have taken place in people's payment methods and consumption ideas.Compared with the large mortgage loans of traditional banks,small consumer loans are convenient and rapid to apply for.Unsecured,easy to use and other characteristics,so its audience is wider.In the face of the vast market,the credit model of consumer credit is favored by the major banks,consumer credit business in the major banks to develop rapidly.However,with the rapid development of bank consumer credit business,the post-loan management of loans can not be ignored.Post-loan management belongs to the category of risk management,which mainly refers to the bank's risk monitoring and handling of loans after the end of loan loans.For the traditional credit,because the loan will have mortgage,pledge or guarantee,the risk of post-loan management is low.When the customer repayment is abnormal,the bank loss can be reduced by disposing of the collateral.However,the consumer credit loan has no collateral or guarantor,so the post-loan management can not dispose of the borrower's assets in time,thus increasing the risk of bank loan loss.Post-loan management is very important to the credit industry,while the traditional bank industry often places more emphasis on investment and less on post-loan management.In order to ensure the healthy and long-term development of this industry,the post-loan management of consumer credit should not be neglected.In recent years,artificial intelligence technology develops rapidly,and its machine learning technology,speech recognition technology and facial recognition technology are widely used.For Banks,ai technology is currently mainly used in marketing to improve banking services and customer experience.At present,based on the communication and discussion with artificial intelligence companies,it is found that a number of its technical means have a broader direction of use.For example,machine learning technology can help Banks to classify existing customers and classify customer risk levels.Voice recognition technology can gradually replace customer service to communicate with customers.On this basis,it is feasible and valuable to explore the application of artificial intelligence technology in post-loan management.This paper takes bank Y as the research object and discusses the post-loan management of consumer credit in bank Y.Bank Y is a joint-stock commercial bank.At present,its business mainly includes absorbing public deposits.Issuing short-,medium-and long-term loans;Handling domestic settlement;Handling bill acceptance and discount;Issue financial bonds;Acting as an agent to issue,accept and underwrite government bonds;Buying and selling government bonds and financial bonds;Interbank lending;Buying and selling foreign exchange;Bank card business;Provide letter of credit service and guarantee;Acting as an agent for collection and insurance business;Provide safe deposit box service,etc.In recent years,the personal consumption loan industry has developed rapidly.In order to better adapt to the development trend of society,in 2007,bank Y set up a retail consumer credit center,mainly operating unsecured and unsecured credit type loans.After that,the consumer finance and credit card center was set up to combine the consumer credit business with the credit card business and jointly manage it as the consumer finance.With the gradual expansion of the business scale of consumer credit,in order to better develop the consumer credit business and credit card business,bank Y has separated the credit card business from the center,and finally set up a separate consumer finance center.First of all,this paper will introduce the current development of the bank's consumer credit,as well as the current post-loan management measure.Combined with the problems encountered in the author's work and the current situation of human resource management,system construction,model building,data management and process management of the post-loan department,this paper analyzes the current situation of post-loan management and possible problems in the future.Combined with the shortage of manpower,the lack of system support,the database is not centralized,the workload is too large and other practical problems,will make a solution of the discussion.In order to implement the improvement plan,the big data and artificial intelligence technology will be considered.As these technologies being used to the post-loan management of consumer credit industry,it can not only help bank Y's post-loan management work efficiency,but also being able to reduce post-loan risk indicators of bank Y and promote profit.The post-loan management scheme described in this paper mainly takes commercial Banks as an example.However,at present,there are a large number of companies engaged in consumer credit in the market with uneven quality,and each company has its own unique credit model and post-loan management scheme.However,in the application of new technologies,this paper has a certain universality,which can be used for reference by some commercial Banks and consumer finance companies.At that time,the specific post-loan management means need to be implemented in combination with the specific conditions of each unit.Therefore,some theories and views in this paper are still some limitations and deficiencies.