There is a saying in the financial industry that "three loans are divided into seven branches", which profoundly explains the importance of post-loan management in the whole loan life cycle. As the core link of post-loan management, collection has always been "highly anticipated". Whether it is a bank or a mutual fund enterprise, the role of collection is extremely obvious: first, it can minimize the loss of bad debts; Second, through strong collection ability to seize the beach with higher risk business and gain income.

in recent two years, with the growth of credit card business and the rise of consumer finance, collection has ushered in spring. With the development of artificial intelligence, cloud computing and other technologies, intelligent collection emerged as a new way.

compared with traditional collection, the emergence of intelligent collection has given new momentum to the industry. Let's take the help intelligent collection system as an example to see the advantages of intelligent collection.

Dezhu Intelligent Collection is a collection system independently developed by Beijing Finite Element Technology based on AI, Internet, big data and other technologies and real financial scenarios. By knowing a number of intelligent services such as robots, intelligent quality inspection and intelligent reports, an integrated collection system will be built, which will help the financial industry to complete post-loan collection efficiently and in compliance.

Specific advantages of intelligent collection:

Knowing that robots have full coverage of low-age collection

Based on AI, NLP and other technologies, knowing that robots have many intelligent services, such as automatic outgoing call, accurate identification, intelligent interruption, etc., can have multiple conversations with users, completely collect tasks, and improve users' willingness to repay. At the same time, it is known that the robot can talk 8-1 times a day, and it is always standardized regardless of emotions, reducing the risk of being complained.

through the combination of clustering model and aging strategy, different user groups adopt different collection methods. For users with short accounts, it is known that robots can reach them quickly and cover them completely, especially the overdue new cases of M1 and M2, and the collection success rate can reach 8%-85%.

Intelligent case analysis and optimal allocation of resources

The average daily per capita production capacity in the industry is about 2-3 tons. For the distribution of the collection company, the commission is basically given in different proportions according to the amount to be urged.

According to the data feedback of overdue time and amount, the best collection scheme between cost and recovery rate is formulated, and robots and manual seats are automatically allocated, which can effectively improve work efficiency and reduce operating costs. And in the process of collection, the work order can be transferred according to the actual situation to achieve efficient cooperation. At the same time, enterprises can automatically generate statistical results of various data through intelligent reports, quickly understand the process and adjust the collection strategy in time.

Intelligent quality inspection improves work efficiency

The traditional quality inspection method is to randomly select a certain amount of samples from the collection recording library, recruit a group of quality inspection specialists to listen to them one by one, record the problematic cases and measure the proportion.

With the help of artificial intelligence technology, intelligent quality inspection is carried out through multi-dimensions such as text quality inspection, image quality inspection, voice quality inspection and video quality inspection to achieve full coverage of quality inspection and completely replace labor. Identify illegal words and sensitive words globally without interruption, capture and record violations in time, monitor early warning and evaluation in real time, avoid the lag of manual detection, improve work efficiency and ensure compliance collection.

although intelligent collection can't completely replace traditional collection at present, with the development of artificial intelligence, the application scenarios of intelligent collection are gradually expanding. And under the requirements of compliance collection, the advantages of intelligent collection are becoming more and more obvious. The rise of intelligent collection is a sharp weapon for the financial industry to improve the status quo of the industry, and it is also the inevitable result of the development of the times.