The development of AI big model technology has provided a new solution for the efficient operation of enterprises and the high-quality development of the industry. The You&I Loan Platform under JFIN.US (JFIN.US) is technology-driven, actively embraces technological change, and explores the application of new technologies in business processes. Technology risk control is the core lifeblood of the industry, and it is also a key topic that you and I have been deeply involved in for a long time. Based on the big model, you and I will build an omni-channel, full-process intelligent information system “Poding” to fully unleash the value of data, enable scientific decision-making, and comprehensively enhance the breadth, depth, and accuracy of risk assessments.

“Pao Ding” means deconstructing layers to comprehensively understand the diversity and complexity of things. The “Pu Ding” system uses advanced algorithms and models, and uses cutting-edge technologies such as big data analysis and machine learning to achieve deep mining and feature extraction of massive data, providing strong technical support for risk control in the financial industry.

The “Pu Ding” intelligent information system has shown significant advantages at the technical and application levels:

1. Strong technological innovation ability

We continuously optimize algorithms and models. Under a strict compliance framework, we support analysts to use offline data provided by the “Pudding” system to carry out analysis work to meet business needs in real time.

2. Comprehensive data coverage and deep integration

With strong data processing capabilities, you and I can build an efficient data center to screen, convert, comply, and standardize data to ensure data quality.

3. Detailed customer profile and risk assessment

Using advanced algorithms and models, “Pu Ding” can help risk controllers more accurately assess customer risks and develop personalized risk strategies.

4. Efficient business application and decision support

The “Pao Ding” system is closely integrated with financial institutions' business processes, and can provide real-time and accurate data support in various aspects such as risk and approval.

5. Data security and compliance guarantee

You and I attach great importance to data security and privacy protection, and follow strict data encryption and access control standards during the “cookie” system construction process to ensure compliance and security of data use.

6. Flexible customization capabilities and excellent service support

The “cooking” system provides highly customizable services, can be customized and developed according to specific needs and business scenarios, and provides professional technical support and services.

At present, “Pao Ding” has achieved structured integration of core data and constructed characteristic matrices covering multiple fields. The risk variable dimensions are as high as 18,000, demonstrating the strong strength of you and us in building large models, analyzing and processing data. In order to further improve model performance, you and I also use fusion model technology to perform integrated learning on multiple single models, thus achieving significant improvements in model differentiation ability.

In the future, you and I will also actively use artificial intelligence big model technology to empower business processes and strive to provide better technological services to partners and customers.