I. Asset Quality Panorama: Addressing “Lack of Intuitive Monitoring”
· Multi-Dimensional Visualization: Provides dashboards, radar charts, and geo-maps to integrate asset quality data across institutions, products, and industries. For example, radar charts compare quality indicators of corporate loans vs. consumer loans, while geo-maps display regional asset quality distribution.
· Real-Time Drill-Down: Supports hierarchical analysis from panorama → institution → product → client. Clicking on a region map dynamically reveals NPL ratios, overdue amounts, and other key metrics, enabling seamless “global-to-local” navigation.
· Customizable Views & Rotation: Users can configure personalized layouts; unconfigured components are auto-rotated to ensure no critical information is missed.
II. Multi-Dimensional Intelligent Analysis: Addressing “Inefficient Analysis”
· Time-Series Analysis: Displays 60-day or 60-month asset quality trends with line charts. Supports flexible dimension/indicator combinations with second-level response time.
· Dynamic Indicator Calculation: Powered by Kylin OLAP engine for real-time multi-dimensional calculations. Users can define custom indicator definitions, instantly rendered as visual charts.
· Batch Data Processing: Handles 100,000+ daily transactions; ensures overnight updates are reflected in asset quality analysis by the next business day.
III. Risk Forecasting & Automated Reporting: Addressing “Low Prediction & Reporting Efficiency”
· Model-Driven Risk Forecasting: Integrates historical asset data with risk models to predict NPL trends and asset migration. Forecast results are visualized in trend charts, enabling proactive risk management.
· Automated Report Generation: Maintains reporting templates for HQ, tier-1 branches, and tier-2 branches. Automatically extracts data to generate standardized reports, reducing manual workload by over 90%.
IV. Business Information Query: Addressing “Fragmented Data”
· Comprehensive Business Search: Covers retail loans, corporate loans, bill acceptance, and other business lines. ElasticSearch ensures second-level retrieval with multi-condition filters. Results exportable as ledgers or visual charts.
· Risk Asset Inquiry: Dedicated queries for substandard loans, newly overdue loans, and other risk assets. Provides detailed records and statistical visualization to help risk teams quickly pinpoint high-risk cases.
V. System Performance & Security Control: Addressing “Performance & Security Gaps”
· High-Availability Architecture: Deployed in distributed clusters with load balancing and elastic scaling. Achieves 99.95% annual uptime with disaster recovery ≤5 minutes, ensuring 24/7 uninterrupted operations.
· Fine-Grained Access Control: Role-based access control (RBAC) maps users → institutions → positions. Session filtering and token caching guarantee secure and compliant data access, meeting China’s Level-2 InfoSec requirements.
· Data Caching Optimization: Redis caching for high-frequency access data (e.g., dictionaries, role permissions) reduces database pressure and enhances system responsiveness.
