Intelligent Collection System
The Intelligent Collection System is an AI-powered collection assistance platform designed to enhance banks’ post-loan management through automated speech analysis, repayment evaluation, and optimized communication strategies. It leverages cutting-edge ASR, NLP, and machine learning models to improve efficiency, accuracy, and compliance in debt collection operations.
(1) Intelligent Call Recording Processing
· Multi-channel ingestion: Supports direct connection, FTP import, or drag-and-drop uploads, compatible with multiple audio formats.
· Customized ASR transcription: Employs a collection scenario–optimized large-scale ASR model to convert speech to text accurately.
· Key information extraction: Uses NLP techniques to extract details such as call duration, compliance statements, debtor income sources, asset conditions, and repayment commitments.
· Automated reporting: Generates standardized summary reports containing basic information, conversation highlights, identified risks, and follow-up items, exportable in multiple formats — fully replacing manual processing workflows.
(2) In-Depth Repayment Ability Assessment
· Multi-source data integration: Combines call transcripts, bank transaction records, and credit reports to build a five-dimensional assessment framework covering:
o Financial status
o Employment stability
o Debt profile
o Repayment history
o Asset situation
· Hybrid modeling: Utilizes an XGBoost + neural network ensemble model to quantify repayment capacity into High / Medium / Low levels.
· Adaptive strategy mapping:
o High ability: Offer flexible installment options.
o Medium ability: Prioritize principal repayment.
o Low ability: Recommend debt restructuring or relief solutions.
(3) Accurate Repayment Willingness Evaluation
· Linguistic analysis: Detects positive or negative intent based on language patterns and word choices.
· Emotional analysis: Analyzes tone, pace, and pauses to distinguish between calm and resistant emotional responses.
· Behavioral analysis: Tracks historical commitment fulfillment rates to gauge reliability.
· Intent classification: Categorizes willingness into Strong / Moderate / Weak, each with targeted communication guidance:
o Strong: Confirm repayment details and timelines.
o Moderate: Address doubts and provide reassurance.
o Weak: Apply empathy and emphasize consequences of delinquency.
(4) Collection Script Optimization
· Built-in compliance library: Automatically detects and flags non-compliant expressions based on regulatory guidelines.
· Linguistic quality analysis: Deconstructs dialogue logic, persuasive ability, and empathy levels using NLP models to identify weaknesses in collection conversations.
· Success case repository: Maintains a database of high-success-rate collection dialogues, using similarity matching to suggest personalized optimization templates.
· Outcome: Achieves standardized, compliant, and high-quality scripts, ensuring consistency and professionalism across all collection staff.
