Document Processing · Risk Management
Shenzhen Credit Guarantee Group needed a self-controlled digital technology system that could raise risk-control intelligence, speed product innovation, improve mobile business handling, and support a broader range of inclusive-finance services for small and micro enterprises.
Reported impact
The platform gives the group a more scalable and efficient operating model for guarantee and financing services, with faster processing, stronger risk control, and better customer and staff experience.
Shenzhen Credit Guarantee Group partnered with Tencent Cloud on a comprehensive financial-business platform intended to become a digital benchmark for the guarantee industry. Tencent's solution combines a factoring system, credit center, decision engine, big-data risk control, intelligent OCR, and mobile field-service tools on distributed architecture and financial-grade distributed infrastructure. That stack lets the group standardize financing workflows while improving product agility, mobile business handling, and user experience for inclusive-finance services aimed at small and micro enterprises. The data and AI layer supports smarter risk control and faster decisions, while the modular platform can serve multiple financing products instead of one-off systems. By turning guarantee, credit, and workflow data into a unified operating platform, the group can grow service volume while shortening application cycles and increasing manager productivity.
Guarantee and financing data move through the comprehensive platform into the factoring system, credit center, decision engine, and risk-control layer; document inputs are captured through intelligent OCR, and mobile tools expose the resulting workflows to front-line staff and customers.
After launch, the platform is expected to serve more than 7,000 small and micro enterprises each year, support annual business volume above RMB 170 billion, improve business-development efficiency by over 50%, and improve managed accounts per project manager by over 60%. (original: 综合金融平台上线后，每年将服务7000多家次中小微企业，年度业务发生额超过1700亿元...业务展业效率将提升50%以上，单个项目经理的管户规模将提升60%以上。)
Tencent Cloud will use cloud computing, big data, AI, IoT, 5G, and security solutions to help the group build an autonomous digital capability system and improve intelligent financial risk control. (original: 腾讯云将基于云计算、大数据、人工智能、物联网、5G应用、安全等全方位金融科技解决方案，支撑深圳担保集团建设自主可控的数字化技术能力体系，大力提升智能金融风控水平。)
The comprehensive financial-business platform includes a factoring system, credit center, decision engine, big-data risk control, intelligent OCR, and mobile business-development tools, and it uses Tencent Cloud distributed architecture and financial-grade distributed infrastructure. (original: 在双方联手打造的综合金融业务平台建设项目上，该平台涵盖保理系统、授信中心、决策引擎、大数据风控、智能 OCR、移动展业工具等众多模块，同时采用了腾讯云分布式架构技术和金融级分布式基础设施。)
The key question was how to build a self-controlled digital technology capability system and substantially improve intelligent risk control, product agility, mobile business efficiency, and user experience. (original: 如何建设自主可控的数字化技术能力体系，大力提升智能风控水平、产品敏捷能力、移动展业能效以及用户端服务体验，成为当前亟需思考并且攻关的课题。)
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