As Yusys Technologies aims at improving work efficiency and controlling credit risk as the starting point, facing the agriculture, rural areas , SME credit business, it has built a set of customer collection tool systems for bank managers and sales to conduct rural customer, such types of customers include farmers, natural persons, individual industrial and commercial households, SME owners, to help users quickly obtain customer information, submit loan applications, and regularly track customer information. The customer information collection tool consists of two parts, namely the channel collection terminal and the backstage management terminal, which jointly complete the data collection of customer information and preliminary data analysis (for example: pre-rating, pre-credit), and provide powerful support for subsequent business systems support. Through configurable data collection templates, the acquisition standard can be standardized, and the convenience of the acquisition process can be improved.

As Yusys Technologies sets effective credit risk management as the core principle, a financial analytics tool has been built up. The standardized input and storage of customer financial data is carried out. Based on this, financial analysis, historical data analysis, medium and long-term financial forecast, peer comparison and financial performance ratio analysis are carried out to help users have a more accurate understanding of customers' historical financial situation and future development strength, and lay an objective foundation for correct credit decision-making.

As Yusys Technologies sets the improvement of banks’ credit risk management capabilities as the starting point, it has built a simple and easy-to-use credit rating evaluation tool. The rating objects cover all types of customers including corporate customers, inter-bank customers, public institutions, individual customers, and farmers. The system conducts a comprehensive evaluation of the borrower’s or potential customers’ capital status, operating capabilities, capital liquidity, management level, industrial development prospects, etc., to understand the debtor’s ability and willingness to repay, and the possibility of overdue, then to improve loan quality, select high-value customers, reduce bad debt rates, and further guarantee the safety and profitability of assets.

This solution covers a total of 3 categories and 6 sub-categories of supply chain financial services, namely: receivables (traditional factoring, pool financing, reverse factoring), prepaid (prepaid pledge financing, incoming warehouse receipts), and inventory (collateral pledge), applicable to banks and non-bank financial institutions. The system enables information flow interoperability and whole-process direct communication between the relevant groups of the supply chain business (banks, core enterprises, borrowers, logistics supervision enterprises, trading markets, other financial institutions, etc.), improves the financing efficiency, and reduces the credit risk and management costs of financial institutions.

The credit processing platform is designed to separate the unified authorization system and credit operation front-end from the original credit-type system, thereby solving the front-end and back-end integration problems faced with different vendor systems in the traditional credit system group architecture. It also solves the problem of personnel demands to frequently switch systems during business processes, thereby improving the operating efficiency of sales managers in the bank credit asset operations and the level of credit risk control, as well accelerates decision-making efficiency. The credit operation platform completely isolates the front-end business from the back-end operation, as the result of which services are standardized, costs are reduced, and the risk control is strengthened.

Base on the trend of commercial banks’ demand, Yusys Technologies has built a professional unified credit management system in accordance with regulatory requirements. The system plays an important role in controlling credit risk and preventing excessive financing. The unified credit management system is positioned as a centralized, unified, and standard credit control system for the entire bank. It can standardize customer credit extension operations and processes at all levels of institutions and business lines, and provides a professional operation, support, and management platform. The unified credit management and control system can realize centralized management of credit for single legal person customers, group customers, inter-bank customers, and retail customers. At the same time, it supports credit management from pre-credit granting customer information collection, customer rating, credit application and approval, to credit management in the mid-credit granting stage. Relevant functions such as quota occupancy, maintenance, credit change, and extension operations in the post-granting phase can also meet customized needs.

Yusys Technologies has built an inter-bank credit solution that meets the requirements of unified credit management for commercial banks. It covers annual inter-bank credit, annual batch inspections, and credit-like business registration. The inter-bank credit system focuses on solving current banking problems such as fragmented information and lack of informatization of credit management. The inter-bank credit management system can meet the inter-bank credit management demands of different banks through functional modules such as clients management, credit rating, credit management, inter-bank business, and risk control management.

Yusys Technologies is focused on the digital transformation of credit business and non-touch credit service requirements of commercial banks in the post-epidemic numerical economy period. With the help of internal and external big data, the product provides precision marketing through integrated view of customer, and reaches the biggest range of customers through omni-channels. The quota and pricing models meet the requirements of fast, efficient and 24-hour responsive automated processing without manual intervention throughout the process.

Yusys Technologies has developed a credit system that targets on SME and personal loans, and covers the full-life cycle risk management. Leveraging the advanced practices of state-owned banks and joint-stock banks, the system can meet diversified demands from regional small and medium banks, and provides a business processing platform that integrates SME online loan business, traditional credit business, and online small credit loan of supply chain business.

In the retail credit business sector, Yusys Technologies has built a new generation distributed retail credit system based on internet and big data, which improves the customer service experience, optimize asset quality and increase profitability. The new generation distributed retail credit system uses the SpringCloud distributed architecture, and works within the constraints of Spring4, iBatis, Eureka, Feign, Hystrix, and other related open-source frameworks. It has low coupling and high scalability and can quickly respond to market demand and meet the needs of short-term, fast-paced retail credit business.

Yusys Technologies' corporate credit management solution is a bank-wide cross-regional integrated credit management system. It is more than a risk control management system for banks. The solution takes the lead in terms of conceptual design and functional applications. This is a whole-process system that fully complies with Basel II, and takes customer management as the basis, process management as the main line, and credit risk prevention as the goal. It can realize management, statistics, analytics, monitoring, approval, control of corporate credit business for all levels of business management, and provide storage, aggregation, collection, and analysis of credit and related business information.

Yusys’s integrated credit solution serves as a full-process credit operation system. The product is designed to integrate multiple channels into one platform through covering a wide range of business scenarios such as corporate business, inter-bank business, retailing business, and SME business. Aims at the process of client management, financial analysis, credit rating, credit granting, contract management, disbursement, post-loan management, risk classification and disposal, and asset preservation information capture and process approval is carried out within the credit platform. The system can be taken as a single data source of credit business for commercial banks, and meets various internal & external data requirements.