用人工智能重新思考商业信用
技术
- 分析与建模 - 机器学习
- 平台即服务 (PaaS) - 应用开发平台
适用行业
- 教育
- 金融与保险
用例
- 预测性维护
- 时间敏感网络
服务
- 数据科学服务
客户
未披露
关于客户
亚洲、非洲和中东地区最大的银行之一，业务遍及 60 多个国家/地区，管理着端到端的商业贷款流程，负责为客户提供价值超过 1000 亿美元的信贷。
挑战
银行的商业贷款流程很复杂。一个由数百名客户关系经理、分析师和信贷专员组成的团队必须有效地为遍布数十个国家和部门的数千家企业提供许多信贷产品和服务。
为此，银行必须快速评估其客户的信用，这需要收集、审查和分析数千个领域的定性和定量信息，包括财务报表项目、绩效指标、信用历史和自然语言评估借款人的商业前景。
信用官员需要浏览不同的系统，与客户关系经理和信用分析师就信用结构和条件进行迭代，并在做出最终决定之前要求提供更多信息。
解决方案
借助使用 C3 AI 平台构建的 SaaS 应用程序 C3 AI® Smart Lending，银行可以使用机器学习重新设计其贷款流程，从而将平均审批周期时间缩短 30%。这种简化的流程使银行能够提供更多信贷、加快收入并提高客户满意度。
运营影响
数量效益
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