The independent development of its own brand credit business has become an unavoidable "compulsory course" for licensed Financial Institution Groups.

Behind the digital transformation of finance, there are two "invisible forces" driving – momentum and pressure.

The driving force is mainly reflected in the fact that some licensed Financial Institution Groups that started first have enjoyed the value benefits brought by digital transformation. The pressure is mainly reflected in the intensive implementation of domestic financial regulatory policies in the past two years, which have put forward higher compliance requirements for the risk control ability, operation ability, system construction ability and data governance ability of licensed Financial Institution Groups, and promoted the "Matthew effect" of the industry.

"Ronghui Jinke’s mission is to help the licensed Financial Institution Group build an independent and controllable Internet credit risk control system." Si Mingcheng, general manager of Ronghui Jinke Platform Product Division and CRO of Personal Credit Business Division, told Yiou that this goal has never changed in the past five years. Now Ronghui Jinke has successfully helped many banks, gold and other top licensed Financial Institution Groups to complete the construction and iteration of risk management systems. The company’s reputation and customer reputation have always remained at the forefront of the industry.

Si Mingcheng graduated from Cass Business School in London and obtained a master’s degree in actuarial science. Previously, he worked in Baidu Finance and Zhongrong Life Insurance, and has rich practical experience in the construction of Internet financial risk management system and risk control system platform development. In our conversation with him, we found that in today’s diverse financial risk control needs and homogeneous solutions, the risk control system platform products he led the team to carefully build, the technical innovation and service concepts behind them are of great reference.

Hard core product innovation, deeply empower customer business value

"Based on past experience, we hope to help the Licensed Financial Institutions Group fully grasp the direction and requirements of digital transformation under the new supervision."

Si Mingcheng mentioned that Ronghui Jinke started the development of risk control system platform products when it launched the auxiliary operation business at the beginning of its establishment.

So far, Ronghui Jinke risk control system platform has formed a more comprehensive product matrix, including credit index management platform, asset quality monitoring platform, model monitoring management platform, data management platform, etc., deeply empowering the licensed Financial Institution Group to conduct multi-dimensional management of strategic models, information data, business monitoring, implementation processes, operational risks, etc. in all aspects of credit business, and comprehensively strengthen the management of self-operated business refinement and automation.

According to Si Mingcheng, the credit index management platform includes the whole process solution of PBC report analysis, core variable derivation, and variable management, which can help partners quickly derive six modules, ten categories, and tens of thousands of variables with business meaning. It has the characteristics of high differentiation, clear logic, and full utilization of information; at the same time, it also supports flexible configuration and management of variables, and the integrated processing variables of flow and batch fully ensure that the derived variables play an efficient value in risk control strategies and model applications.

(Some functional modules of the credit index management platform)

At the same time, in order to effectively deal with the unpredictable risks in the rapid development of business, the asset quality monitoring platform and the model monitoring management platform are respectively for the licensed Financial Institution Group in the form of consulting services + platform landing. The former helps partners to achieve real-time monitoring and early warning of the whole process of asset quality and business indicators, which can greatly save human resources costs, effectively reduce the non-performing rate, and ensure the quality of credit assets.

The latter is aimed at the full life cycle management of the model, that is, through automated real-time calculation and monitoring data, to achieve full-link monitoring of the model, to ensure the stability and effectiveness of the model, and to have configuration display and early warning functions, to strengthen the model of the licensed Financial Institution Group.

In the past two years, regulators have continued to encourage banks to strengthen their self-operated business and independent risk control capabilities, and many media have repeatedly reported the independent risk control problems of small and medium-sized banks. Si Mingcheng believes that banks and non-bank licensed Financial Institution Groups build their own risk control systems, which not only require a lot of resources and labor costs, but are expected to take five to ten years or even longer to complete.

Some industry experts stress that banking institutions must "grow" these capabilities from their own soil, rather than relying on ready-made solutions. Ronghui Jinke’s system platform product positioning coincides with this idea, that is, in a deeply empowered, white-box delivery model, the services provided are fully open to partners, helping them gradually build their own professional risk control team and independent risk management capabilities.

"In the depth of cooperation with many customers, we not only implement and deliver system platform products, but also provide a complete set of risk control solutions and actual business operation solutions, with equal emphasis on" fish "and" fishing "to maximize the value of the products themselves, so as to help cooperative customers to expand their business scale." Si Mingcheng revealed that under such a model and concept, Ronghui Jinke has started to standardize the output of risk control system platform products since the end of 2019. At present, nearly 20 leading banks, gold and other licensed Financial Institution Group system platform product benchmarking projects have been completed. Among them, the credit index management platform solution capability has reached the top three in the industry.

In addition, Si Mingcheng also pointed out that some licensed Financial Institution Groups such as banks have successively done some digital risk control construction, but they are often "chimney buildings", and system platform products can help the original "buildings" become a solid "foundation", helping institutions to promote their decision-making system from "blank filling of data elements" to "value-driven capability enhancement" on the basis of compliance.

Yiou learned that the credit index management platform implemented by Ronghui Jinke last year for many banks, licensed gold consumption, etc., helped banks and other banks to expand the derivative variable library at one time, greatly improved the efficiency of risk control model and strategy development, and helped banks and other banks to complete the construction and iteration of digital independent risk control "more quickly and cost-effectively".

Specifically, on the one hand, the platform provides a multi-dimensional and multi-level high-quality index library to help banks fully mine the effective information in credit reports and three-party data, and also provides a unified index management capability for the whole bank to achieve variable "one-time configuration management, all-bank shared application"; on the other hand, the platform supports variable efficient processing, and realizes front-end parameterization to configure variables and go online with one click.

"The entire project implementation cycle was very short, and the localization of the system was completed within a week, which greatly shortened the launch cycle of the platform application. Because of the smooth implementation of the first phase of the project, many customers have cooperated with us in the second phase to further help the industry improve the index processing capacity." Si Mingcheng recalled.

What makes Ronghui system platform products "stand out"

What really distinguishes Ronghui Jinke system platform products from the same type of products on the market is not just the product innovation.

Si Mingcheng said that Ronghui Jinke’s own deep "Party A advantages", unique "compound genes" and rich financial risk control "combat experience" provide a lot of first-mover advantages for system platform products.

On the one hand, Ronghui Jinke’s management and expert team have very rich experience in risk management and practical operation at home and abroad, and have practical experience in risk control system from zero to one, including product and system construction. At present, the risk control system platform products designed by Ronghui Jinke have undergone theoretical and practical two-factor authentication, which can well meet the actual needs of customers, achieve plug and play, and quickly solve business pain points.

In addition to that, the system platform product design follows a flexible and light-coupled approach, which can not only fully support the whole process of business operations, but also be modularized and configured according to customer needs, making it easy and convenient to connect with the customer’s own system and go online.

At the same time, the construction of the risk control system involves the overall planning of the digital transformation of the licensed Financial Institution Group. "We cooperate with our customers not only on the construction of risk control systems, but also in marketing customer acquisition, risk consulting and data management. Ronghui Jinke has mature and complete digital solutions and risk consulting solutions."

As mentioned above, compared with a single digital risk control solution output, Ronghui Jinke system platform products come with "supporting facilities", bringing Ronghui Jinke’s technological capabilities and profound accumulation in Internet credit business to the licensed Financial Institution Group, and also allowing the risk control system of the licensed Financial Institution Group to "take root and thrive" on its own soil.

On the other hand, Ronghui Jinke also has a product and technical team with strong combat effectiveness and in-depth customer concept, which can not only fully ensure product quality and customer experience, but also respond quickly to customer needs, solve and feedback customer problems in the first time, and ensure the stable operation of the business.

"For the platform products used in online risk control business, the processing performance of the system is also very important to customers." Siming Cheng revealed that, for example, the credit index management platform, we pay great attention to the scalability of variables from the source variable design. In the underlying technology implementation, the application of flexible parameter configuration method can complete the processing of ten thousand dimensional variables in about 100 milliseconds, which can meet the variable processing of hundreds of thousands of incoming parts every day. In terms of performance, it has been recognized by all cooperative customers.

Conclusion

"As the direction of supervision becomes clearer and clearer, from the current digital transformation of the industry, there is still a way to go for the Internet retail credit business of the Licensed Financial Institution Group to be transformed into self-operated business and independent risk control." In Si Mingcheng’s view, in the new situation of financial technology, risk management is more refined, and the Licensed Financial Institution Group, which has a complete, professional and systematic risk control system, will surely go more stable and faster in the fierce and healthy competition environment.

"Facing the future, what we need to do is to transform technological capabilities into core products and services, and deeply empower the licensed Financial Institution Group to complete the digital transformation. These capabilities are also a solid foundation to ensure the sustainable, healthy and compliance development of Ronghui Jinke’s business."

?

[Advertising]

(Disclaimer: The content of this article is published or reproduced on this website. It only represents the author’s personal opinion and has nothing to do with this website. For readers’ reference only, please check the relevant content by yourself.)

For example, this car is often mentioned as a space issue. Now let’s follow the editor to see what it does.

First of all, from the appearance, the front face style of Lynk & Co 01 PHEV looks more cold and memorable. With headlights, the details are exquisite. The car is equipped with LED daytime running lights, automatic opening and closing, adaptive far and near light, automatic steering, delayed closing, etc. Come to the side of the car, the body size of the car is 4549MM*1860MM*1689MM, the car adopts cool lines, the side circumference shows a young personality design style, with large-sized thick-walled tires, smooth lines run through the entire side of the car. Looking back, the overall shape of the rear of the car echoes the front face, the taillights look very deep, and the overall shape is still very durable.

Sitting in the car, the interior shape has taken a delicate route, and the overall visual effect is very distinctive. The appearance of the steering wheel of the car looks very good. It is equipped with functions such as manual up and down + front and rear adjustment of the steering wheel, steering wheel heating, etc., and the grip is full and delicate. Let’s take a look at the central control. The car is decorated with an avant-garde touch LCD central control screen, which makes the interior design quite layered and in line with the mainstream aesthetic. The dashboard and seats are also eye-catching. The car is equipped with a spiritual dashboard, which looks very personalized. The car uses leather/fur material mixed and matched seats, and the seats are wrapped in place, further improving the comfort of the driver and occupant.

The car is equipped with vehicle to everything, driving mode selection, remote control key, Bluetooth key, rear wipers, interior ambient lights and other configurations, and the configuration has reached the mainstream level of the same level.

After reading the full text, what are your main impressions of this car? The Lynk & Co 01 PHEV introduced today is not only eye-catching in terms of space, but also has reached the mainstream level in various configurations, and the driving experience and space experience are nothing to be discerned.

On December 16, the 2023 Geely Automobile User Conference was successfully held in Zhanjiang, Guangdong, and Geely Galaxy E8 officially opened the global pre-sale at this event. The new car launched 550km Pro, 550km MAX, 665km Starship Voyage Edition, 665km Starship Smart Driving Edition, and 620km Starship Performance Edition, a total of 5 versions, with a pre-sale price starting from 188,000 yuan. Pre-order users can enjoy a deposit expansion gift, 1,000 yuan to 6,000 yuan. Old users of Geely Holding Group’s brands who successfully order Geely Galaxy E8 during the pre-sale period can enjoy a 10,000 yuan redemption subsidy. Users can place orders through Geely Galaxy’s official website, App, WeChat Mini Program, H5 and other official platforms. It is reported that the new car will be officially launched and delivered in January 2024.

Every year, Geely Automobile User Conference is the initiation, planning, execution, performance and other links of customer engagement activities. It is a platform for Geely and users to seamlessly link, share stories and share a better life. At the 2023 Geely Automobile User Conference, Geely hopes to become friends with every Geely friend, walk hand in hand through every important moment, and share every bit of life. The pre-sale of "Our Dream Car" Geely Galaxy E8 is launched, which brings users’ dreams into reality and makes expectations no longer wait.

45-Inch 8K unbounded smart screen + Galaxy super brain, bringing a more immersive Galaxy panoramic smart cockpit

At the press conference, Geely Galaxy E8 showcased the more immersive "Galaxy Panorama Smart Cockpit" for the first time. The 45-inch 8K unbounded smart screen carried by Geely Galaxy E8 has outstanding screen size, clarity, thinness, screen ratio, and full-screen area can be touched. Based on this, the Galaxy Panorama Smart Cockpit follows the natural law of multi-dimensional sensory interaction, integrates time and humanities into the picture scroll, brings the stars and the sea to the eyes, activates the immersive real experience, creates the best arrangement plan for the large-screen cockpit, creates a new generation of people-scenery-car unbounded fusion space, and refreshes the new standard of pure electric flagship smart cockpit.

And empowered by the "Galaxy Super Brain" composed of "three brains", Geely Galaxy E8 brings a new experience of intelligent travel. "Cloud Brain" Geely Star Smart Computing Center 7 × 24 hours all-weather monitoring; "Car Brain" Qualcomm Snapdragon 8295 chip, 8 times more computing power than 8155 chip; "Mobile Brain" Flyme Link handcar interconnection to achieve seamless ecological flow;

At the same time, Geely Galaxy E8 is equipped with Galaxy N OS Unbounded Edition, 3D desktop, time engine, interactive Dynamic Island, and intelligent energy control functions, bringing a more immersive and realistic visual experience. Intelligent voice interaction 0.23s fast response, OurHours no wake-up, full screen visible can be said, the user can contain 15 commands in one sentence, and multiple people in the whole car can talk at the same time. At the same time, it supports intelligent voice interaction outside the car, which can open the air conditioner and electric tailgate by voice outside the car.

Through Flyme Link handcar interconnection, smooth handcar ecological interconnection can be realized, seamless flow to the car large screen, no need to install. It is worth mentioning that Galaxy E8 has the world’s first car-machine highly integrated car drone that can accompany the car, and the shooting screen is sent back to the car in real time, making travel more fun. Geely Galaxy E8 creates a "Galaxy Immersion Space" with panoramic wisdom and scene travel. Open the "Galaxy Sleeping Cabin", the cloud-feeling seat and the co-pilot lying flat can allow users to relax and rest, and be full of vitality. Turn on the "Galaxy Cinema" mode, iQIYI multi-screen movie viewing, 256-color intelligent light-chasing ambient light, and Galaxy haute couture intelligent fragrance system, easy movie viewing and immersion in audio-visual. Come to the "Galaxy Concert Hall", Harman Yanfei Lishi high fidelity audio, AI music rhythm, full-screen immersion thunder stone KTV, million-level music library, cockpit seconds into music hall.

In the "Galaxy Playground", Geely Galaxy E8 deeply customizes the popular 3A game masterpiece "Wild Drag Race 9", bringing users a playground to play if they want. In the game, 9 major scenes, 53 maps, 104 sports cars, vehicle air conditioners, ambient lights, fragrances and other linkage, allowing users to immerse themselves. Whether it is a single-screen mode challenge, or a double-screen battle with friends, you can play happily. In addition, "Geely Koi" floats water and Migu fast-play casual mini-games, support voice evocation, and the main and co-pilot operate alone, which is super fun and super decompression.

Performance, safety, and appearance are full of all dimensions. Geely Galaxy E8 is the most worthwhile pure electric flagship

As the first mainstream pure electric sedan based on the SEA architecture, the Geely Galaxy E8 has fast acceleration, stable driving control, flexible steering, and can be replenished at high speed. It is one of the best 5-meter pure electric flagships.

The Galaxy E8 uses a new generation of 800V fast flash charging, with a battery, motor, electronic control and thermal management system of 800V all over the world, and a battery life of 180km can be charged in 5 minutes. Empowered by a new generation of high-performance silicon carbide electric drive, the Galaxy E8 Zero 100 accelerates in only 3.49 seconds, and the elk performance reaches 82km/h. Despite the length of more than 5 meters, the turning radius of the Galaxy E8 is only 5.62m, making it the smallest in the same class, and the streets, tracks and lanes are fun. In addition, even without piling up expensive large batteries, the Geely Galaxy E8 can achieve super long battery life.

The Geely Galaxy E8 is also one of the safest 5-meter pure electric flagships. With the support of the Aegis battery safety system, the new generation of BMS battery intelligent management system, and the 7 * 24-hour monitoring of the Geely Star Smart Computing Center, the Geely Galaxy E8 has successfully passed more than 1,000 tests in 6 dimensions such as China Automotive Center charging safety, electromagnetic safety, functional safety, high voltage safety, battery safety, and fire safety, and won the new energy vehicle six-dimensional electrical safety system No. 001 certification. In terms of structural safety, the Geely Galaxy E8 series is equipped with an integrated boron steel door ring, a ten-grid battery anti-collision compartment, a "dragonfly" force transmission structure, and a co-pilot leap airbag, etc., which bring super safety protection.

Since the debut of Geely Galaxy E8, it has attracted extensive attention with its Chinese style that leads the world trend. Mass-produced integrated luminous front face, rhythmic luminous logo, tiger vision headlights, frameless doors, altar wing rear, rising sun tail lights, moisturizing jade streamer body profile, Santan Yinyue suspension audio, lotus pond ripple sub-dashboard, looking up at the galaxy giant screen dome, Shushan stacked door panel design, Xizi waterfront seat quilting, Galaxy crystal knob and other interior designs, as well as global mass-produced ultra-low 0.199 wind resistance coefficient and other designs, make future technology integrated into China’s charm and become a global model.

With its outstanding flagship cockpit, architecture, performance, safety and design strength, Geely Galaxy E8 offers mainstream pure electric users an experience that exceeds expectations.

1905 movie network news 　Explosion! The action crime movie released the theme MV "Breaking the Silence" today. The song was composed by arranger Chen Xueran, and the famous musicians Lin Qiao and Liu Enxun wrote lyrics, starring Yang Zi, Ren Xianqi, and Ouyang Jing. Under the hot-blooded and powerful melody, the three stars made a cool debut in the dark, singing high-energy confrontations between good and evil, good and evil in the interlacing of light and shadow. The film is directed by Renee Haring, starring Zhang Jiahui, Yang Zi, and Ren Xianqi. It will be released nationwide on August 2.

Yang Ziren Xianqi opened his throat coldly, Ouyang Jing reproduced high-energy rap

In the newly exposed "Breaking the Silence" MV, Ren Xianqi appears in a dark image. He led a gang of gangsters, wearing a mask, broke into the forensic center, launched a bloody looting, and threatened the lives of Zhang Jiahui and Yang Zi with violence. Yang Zi made a stunning appearance in a black leather jacket, and she was full of super A beating girls. "It is absurd and dazzling under the mask, and then one step forward to penetrate the fog and doom." In the cold song, she was fearless in the face of masked villains, and launched a Jedi counterattack in a dangerous situation. It is worth mentioning that Yang Zi had previously made a "notice" on Weibo, saying that he wanted to "break into the rap world". Now in "Breaking the Silence", she has fulfilled her long-cherished wish. She is a rapper, and she is full of cool style.

40 seconds of earth-shattering counterattack, closed space fierce fighting burns up the summer big screen

As one of the commercial films that attracted much attention in the summer, "Silent Witness" attracted the attention of many audiences with its intense rhythm and the real confrontation between fists and meat. Some viewers were deeply impressed by the oppression created by the film. In the morgue, the dissection room, and the laboratory, every inadvertent tool could become the key to the reversal. No one could predict what would happen in the next second, and the tension continued until the end of the viewing.

The classic escape setting, with the blessing of the action crime shell, highlights the sense of tension and fighting. Zhang Jiahui Yang Zi is the most national wall-breaking combination of Xianqi’s three most popular, but also breaks the dullness of the film and brings a new spark. And Renee Haring’s guidance has undoubtedly added a lot of chips to the movie’s viewability. As one of the most successful action crime film directors in Hollywood, he has contributed such classic masterpieces, which has made many fans look forward to his collision with Hong Kong action crime films.

The movie "Silent Witness" tells the story of Chen Jiahao (Zhang Jiahui) and Qiao Lin (Yang Zi), two forensic doctors, in order to protect the evidence and uncover the truth, and the gangster leader SANTA (Ren Xianqi) and his gang, in the forensic center. The film is produced by Wanda Film Media Co., Ltd. and Media Asia Film Production Co., Ltd. and will be released nationwide on August 2