1. Architecture of Non-Performing Loan Management System
The architecture of the non-performing loan management system consists of four layers, from bottom to top (see Figure 1).
First Layer: Data Source Layer. Responsible for data collection. Firstly, it connects to the loan transferor's bank credit system to obtain basic information about the borrower. Then, it integrates third-party data sources to access the borrower's authentic data. Lastly, it connects to judicial litigation data to ascertain the borrower's litigation status.
Second Layer: Data Platform Layer. This layer establishes a data marketplace based on collected data, forming a data lake and a data warehouse, which includes sections like Customer Marketplace, Asset Marketplace, Financial Marketplace, and Public Marketplace.
Third Layer: Data Application Layer. This layer includes essential functional modules like Due Diligence, Panoramic Profiling, Intelligent Assessment, Intelligent Collection, External Collection, Smart Court, Judicial Auction, Smart Operations, etc., enabling automatic business processes using AI and machine learning.
Fourth Layer: Business Layer. The main business modules of the asset management company, focusing on corporate non-performing loans and personal non-performing loans. The evaluation of corporate non-performing loans mainly emphasizes collateral assessment, differing from personal non-performing loans.
