There are many advantages in using the bank pre-approval system to review loan applications. First, it improves the accuracy of examining loan applications. The personal information of customers, such as professional status, financial status, credit records and so on, is analyzed in many aspects, so that banks can evaluate the loan risk more scientifically and effectively avoid the risk of non-performing loans. Secondly, using the pre-approval system of banks can shorten the audit cycle and provide loan services to customers more quickly. Finally, on the premise of not damaging the customer's privacy, using the bank pre-approval system is a faster and safer audit technical means.
At present, the application of bank pre-approval system is limited to the application and approval of personal loans and credit cards. In the future, with the continuous improvement of technology and the continuous development of financial market, the bank pre-approval system will also be applied in a wider range of fields. For example, corporate loans, investment and other financial services, as well as equity financing, monetization and other financing models, can be evaluated with the help of bank pre-approval system. At the same time, with the continuous application of artificial intelligence, big data and other technologies, the bank pre-approval system will also develop in a more refined and intelligent direction to better serve the development of the real economy.