金融风险评分（乘用车）

面向汽车金融领域的AI驱动型风险评估工具，整合信用评分、欺诈识别、车辆资产评估三大模块，为金融机构提供从贷前准入到贷后处置的全周期风控支持。
核心功能：
一键式风险评分：输入VIN码/车牌，2秒返回信用评分、欺诈风险等级、车辆资产风险等级。
动态风险画像：生成包含""信用历史""""行为特征""""车辆状态""的多维风险报告（支持PDF/JSON格式导出）。
智能策略引擎：根据评分自动匹配审批策略（如高风险客户需追加抵押或提高利率）。

An AI-powered risk assessment tool for the automotive finance domain, integrating three core modules: credit scoring, fraud detection, and vehicle asset valuation, providing financial institutions with full-cycle risk management support from pre-loan approval to post-loan disposal.
Core Features:
One-click risk scoring: Enter the VIN code/license plate, and return credit score, fraud risk level, and vehicle asset risk level within 2 seconds.
Dynamic risk profiling: Generate multi-dimensional risk reports covering "credit history", "behavioral characteristics", and "vehicle status", with export support for PDF/JSON formats.
Intelligent policy engine: Automatically match approval policies based on the scores (e.g., high-risk customers need to provide additional collateral or have their interest rates increased).