Is intelligent collection replacing manual collection just a gimmick?

China Economic News Network 2021-02-0816: 52: 39

There is a saying in the financial industry called "three-point loan, seven-point loan", which profoundly explains the importance of post-loan management in the whole loan life cycle. As the core link of post-loan management, collection has always been "highly anticipated". Whether it is a bank or a mutual fund enterprise, the role of collection is extremely obvious: first, it can minimize the loss of bad debts; Second, seize the high-risk business beach through strong collection ability and gain income.

In the past two years, with the growth of credit card business and the rise of consumer finance, collection has ushered in spring. With the development of artificial intelligence, cloud computing and other technologies, intelligent collection emerged as a new way.

Compared with traditional collection, the emergence of intelligent collection has injected new impetus into the industry. Let's take the intelligent collection system as an example to see the advantages of intelligent collection.

Dezhu Intelligent Collection is a collection system independently developed by Beijing Finite Element Technology based on AI, Internet, big data and other technologies and based on real financial scenarios. Through Zhihu Robot, intelligent quality inspection, intelligent report and other intelligent services, an integrated collection system will be built to help the financial industry complete post-loan collection efficiently and in compliance.

Specific advantages of intelligent collection:

Know about robots, young collection, full coverage.

Based on AI, NLP and other technologies, we know that robots have many intelligent services, such as automatic outgoing calls, accurate identification and intelligent interruption. You can have multiple rounds of conversations with users, collect tasks completely, and improve users' willingness to repay. At the same time, we know that robots can make 800- 1000 calls every day, and maintain language standards regardless of emotions, reducing the risk of being complained.

Through the combination of clustering model and aging strategy, different user groups adopt different collection methods. For users with short accounts, Zhihu Robot can reach them quickly and cover them comprehensively, especially the overdue new cases of M 1 and M2, and the collection success rate can reach 80%-85%.

Intelligent case division and optimal allocation of resources

The average daily production capacity of the industry is about 200-300 tons. For the distribution of collection companies, commissions are basically given according to different proportions according to the amount to be collected.

According to the data feedback of overdue time and amount, the best collection scheme between cost and recovery rate is formulated, and robots and manual seats are automatically allocated, which effectively improves work efficiency and reduces operating costs. And in the process of collection, the work order can be called according to the actual situation to achieve efficient cooperation. At the same time, enterprises can automatically generate statistical results of various data through intelligent reports, quickly understand the process and adjust the collection strategy in time.

Intelligent quality inspection to improve work efficiency

The traditional quality inspection method is to randomly select a certain number of samples from the recording library, recruit a group of quality inspection specialists to listen to them one by one, record the problematic cases and calculate the proportion.

On the basis of artificial intelligence technology, Telford intelligent quality inspection realizes full coverage of quality inspection through multi-dimensional inspection such as text quality inspection, image quality inspection, voice quality inspection and video quality inspection, completely replacing labor. Continuously identify illegal words and sensitive words globally, capture and record illegal behaviors in time, monitor early warning and evaluation in real time, avoid the lag of manual detection, improve work efficiency and ensure compliance collection.

Although intelligent collection can not completely replace traditional collection at present, with the development of artificial intelligence, the application scenarios of intelligent collection are gradually expanding. And under the requirements of compliance collection, the advantages of intelligent collection are becoming more and more obvious. The rise of intelligent collection is a sharp weapon for the financial industry to improve the status quo of the industry, and it is also the inevitable development of the times.