I. Full-Lifecycle Collateral Information Management
Digitally enabled process engine covering the end-to-end collateral lifecycle of admission – valuation – monitoring – disposal:
· Granular Data Entry: Supports both corporate and retail collateral data entry (covering nine information categories). Built-in validation controls prompt data completion and auto-display key information to improve accuracy.
· Dynamic Traceability: In cases of collateral substitution or early release, the system automatically retrieves and stores original warehouse-in/out notifications in parallel, recording all changes (approver, reason, etc.) to create immutable audit trails that meet regulatory requirements.
· Tiered Access Control: Based on a security framework, permissions are allocated by role–position–function (e.g., relationship managers can only view assigned collateral). Real-time monitoring intercepts and alerts abnormal operations.
II. Algorithm-Driven Intelligent Valuation Engine
Addressing the challenges of diverse collateral types and subjective valuation, AI technology ensures precise assessment:
· Customized Models: Covers categories such as automobiles, real estate, and machinery, applying tailored valuation logic (e.g., automobiles valued by factory guide price × depreciation ratio × dynamic adjustment factor).
· Batch Revaluation and Validation: Supports single-collateral manual revaluation or bulk revaluation at scale. The model auto-checks results, triggering manual review if deviations exceed 15% of historical averages, and generates a Collateral Value Volatility Analysis Report annotating causes.
III. End-to-End Digital Title Deed Management
Ensuring status control and risk visibility across the entire title deed lifecycle:
· Smart Warehouse-In Mapping: OCR automatically extracts key deed information, mapping it uniquely to the collateral library, generating warehouse receipts, and updating off-balance-sheet accounts—replacing manual bookkeeping.
· Dynamic Warehouse-Out & Borrowing: Outflow/borrowing requires application–approval–confirmation. The system automatically matches approval levels to collateral type and value (e.g., high-value property requires senior-level approval). Multi-level alerts are triggered for overdue returns, notifying responsible staff.
· Real-Time Status Monitoring: Visual dashboards display title deed distribution, auto-flagging high-risk deeds (e.g., near-expiry or ownership disputes), and pushing recommended actions (e.g., renewal, revaluation).
IV. Intelligent Risk Warning and Analysis
Combining big data with predictive models to achieve early detection and early resolution:
· Multi-Dimensional Alerts: Configurable indicators include monthly collateral value declines exceeding 10%, loan-to-value ratio surpassing 70%, or title deeds out for more than 30 days without return.
· Stress Testing: Supports custom stress scenarios (e.g., 5% interest rate hike, 20% regional property price drop), quantifying collateral value impacts on credit assets (e.g., non-performing loan ratio rising by 1.2%).
· Visualized Reporting: Generates collateral distribution pie charts and regional risk heatmaps with drill-down capability (e.g., detailed property valuations by region), empowering risk-informed decision-making.
V. Specialized Management of Non-Standard Collateral
Leveraging digital title deeds and IoT for end-to-end, penetrative management:
· Digital Title Assignment: Embeds RFID chips into live animals or equips agricultural machinery with Beidou GPS modules, generating unique digital IDs bound to each collateral item, solving the problem of “ownership validation.”
· Dynamic Monitoring and Alerts: Real-time integration with sensor data, enabling risk models to detect anomalies (e.g., sudden livestock inactivity, abnormal inventory reduction) and push timely alerts to risk managers.
