九章智算信贷助手

本产品是基于隐私计算技术开发的信贷风险评估接口，为含山县商业银行个人贷款业务提供服务。​业务流程上，借款人发起申请并授权后，银行通过系统查询，可获取社保缴纳、公积金缴纳、婚姻登记等数据及评估结果、依据，进而决定贷款与否及额度。​数据流程中，市大数据平台提供 API 接口，经借款人授权，平台发送请求至隐私计算服务器，其借助隐私计算技术转换数据，再用人工智能算法分析计算，结果经应用服务器以明文展示。全流程服务器不存储数据，计算在内存中进行。​该产品覆盖信息查询、风险评分等，可用于个人信贷定价、风控、预警等环节。

This product is a credit risk assessment interface developed using privacy computing technology, providing services for the personal loan business of Hanshan County Commercial Bank.
In terms of business process, after the borrower initiates an application and grants authorization, the bank can obtain data such as social security contributions, housing fund contributions, marriage registration, as well as assessment results and supporting basis through system queries, so as to decide whether to approve the loan and the corresponding loan amount.
In terms of data flow, the Municipal Big Data Platform provides an API interface. Authorized by the borrower, the platform sends requests to the privacy computing server, which transforms data via privacy computing technologies and then conducts analysis and calculation using artificial intelligence algorithms. The calculation results are displayed in plaintext through the application server. No data is stored on any server throughout the entire process, and all calculations are performed in-memory.
This product covers functions including information query and risk scoring, and can be applied to scenarios such as personal credit pricing, risk control and early warning.