房抵估价云

依托国信达覆盖全国的房地产时空大数据及大数据分析技术，结合平台技术手段、算法、模型提供抵押房地产精准定位（防欺诈）、估价方式建议、房地产自动估值、在线自动生成估价报告、估价业务智能委托、估价作业过程核查、估价结果交叉验证、估价机构服务质量评价、评估费用支付统计等功能于一体的房地产估价全流程、数字化管理服务平台。
通过抵押物精准定位，帮助金融机构防止借款人偷换抵押物位置，以次充好，高估多贷；采取平台技术，大数据智能委托，斩断相关方灰色利益链，把控信贷风险；通过估价作业过程核查、估价结果交叉验证，提高估价报告的规范性以及估值结果的合理性，防范人工评估过程中可能出现的高估风险；完善评价体系，为下一次机构入围、贷前业务投放优化提供数据决策支持；贷前自动记录抵押物各项评估指标，贷后持续监测抵押物物理空间及市场风险变化并预警，实现房地产抵押业务从贷前到贷后的连通，助力金融机构涉房抵押贷款业务实现数字化转型。

This is a full-process digital management service platform for real estate valuation. It is developed based on Guoxinda's nationwide real estate spatiotemporal big data and big data analysis technologies, and integrates multiple functions via platform technologies, algorithms and models, including precise positioning of mortgaged real estate (anti-fraud), valuation method suggestions, automatic real estate valuation, online automatic generation of valuation reports, intelligent entrusted valuation services, valuation process verification, cross-validation of valuation results, service quality evaluation of valuation institutions, and statistics of evaluation fee payments.

Through precise positioning of collateral, the platform helps financial institutions prevent borrowers from replacing collateral locations, passing off inferior assets as high-quality ones, and overvaluing loans to obtain excessive credit. By leveraging platform technologies and big data-enabled intelligent entrustment, it cuts off the gray interest chains of relevant stakeholders and controls credit risks. Through verification of the valuation workflow and cross-validation of valuation results, it enhances the standardization of valuation reports and the rationality of valuation outcomes, and prevents potential overvaluation risks during manual assessment processes. The platform also optimizes the evaluation system, providing data-driven decision support for the shortlisting of eligible institutions and the optimization of pre-loan business deployment in the future. It automatically records all evaluation indicators of collateral prior to loan issuance, continuously monitors changes in the physical space and market risks of collateral and issues early warnings after loan disbursement, realizes the end-to-end connectivity of real estate mortgage business from pre-loan to post-loan stages, and assists financial institutions in achieving digital transformation of their real estate mortgage loan businesses.