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Consumer Finance

Yusys’ consumer finance solution is an all-round and full life cycle industry solution for consumer financial institutions based on core system development, business operation cooperation, technology empowerment of financial institutions, and Yusys’ consumer finance business innovation experience of more than 10 years. It covers complete solutions for the entire life cycle of consumer finance company opening preparations, technological operations, business innovations, data cooperation, and asset fund integration.

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Finance Companies

As a leading corporation in the domestic financial technology industry, Yusys Technologies entered the financial company service field that represents the group's industrial finance, in 2015. After years of efforts, it has gained the ability to serve financial company infrastructure, service groups, and serve upstream and downstream financial technology services in all fields. Among them, infrastructure construction of finance companies includes unified business construction, data construction, and channel construction. Group services take treasury management as the core, covering internal liquidity, unified investment and financing, and risk management, and industry upstream and downstream services include supply chain finance and scenario finance associated with group enterprises.

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Auto Finance

At present, Yusys Technologies has established cooperative relationships with a number of auto finance, banking, and financial company customers in the fields of retail car purchase, inventory financing, and financial leasing, and has established an auto finance team within the company. It has a team of nearly 100 people and serves all kinds of financial customers in China, and is committed to providing one-stop automotive financial informatization solutions including customer acquisition, channel connection, mobile office, loan approval, contract management, loan payment, and post loan management.

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Securities and Trust

Yusys Technologies has participated in IT construction in the trust and securities industries since 2010. It has successively cooperated with trust clients such as CITIC Trust, CCB Trust, Ping An Trust, Foreign Trade Trust, AVIC Trust, Minmetals Trust, Kunlun Trust, and other trust customers, and cooperated with Shenwan Hongyuan Securities , Industrial Securities, Guotai Junan Securities, CITIC Securities, China Development Bank Securities, and other securities customers. It has established a team that is proficient in the trust and securities business and formed a complete set of mature product solutions and systems. Yusys Technologies takes the trust and securities market as a breakthrough and has gradually established its product advantages in the trust, securities and the entire asset management industry!

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Finance Leasing

With its rich experience and leading technology in financial IT consulting services, program planning, product development, as well as in-depth understanding and extensive cooperation in the financial leasing industry, Yusys Technologies is facing an increasingly sophisticated and professional format, adhering to "technology + products+business+operation” integrated strategy, which empowers financial leasing technology, improves quality and efficiency, and actively tailors the best IT solutions for financial leasing companies.

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Integrated Management Solution

Standard business processing procedures and rules:Flexibly design standardized and unified business processing procedures, formulate unified business rules, reduce participation in institutional system development, reduce system complexity, and ensure safe, stable and efficient system operation.Efficient fund payment and clearing function:Support 24*7 business operation, meet customers’ all-weather payment needs, and adopt real-time processing and full settlement of funds for payment business. Every payment business is received in real time, realizing zero inter-agency fund clearing in transit, providing customers with convenient and efficient payment and settlement services, and improving the efficiency of fund use.

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Online Loan Operation

After several years of development and operation, Yusys Technologies' online loan platform has the characteristics of "fast launch, good scalability, and easy operation and maintenance". It flexibly adopts the cooperation model of "profit before paying", giving full play to the "zero cost investment" to build the online loan operations. The financial platform helps various banks and credit institutions to expand the scale of the online lending market while optimizing their asset structure, improve capital quality, and reduce financial risks. Yusys Technologies also provides comprehensive operational support for customers' online loan business, from whitelisting services, marketing services, risk control consulting, to modeling services, customer management, and risk monitoring. The nearly 200-person team covers various roles such as product, technology, operation, and maintenance, and all team members have internet financial technology and banking experience.According to the IDC report, the market share of Yusys Technologies' online loan solutions ranks first in the industry.

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Smart Bank Branch Operation

Yusys Technologies has an industry-leading overall smart banking solution, which aims to help banks quickly realize smart and digital transformation. It helps banks quickly transform from traditional outlets to smart banks with data knowledge plus platform operation as the core, and help banks through various advanced concepts, equipment, and technology applications combined with the banks’ customers, businesses, products and services. It focuses on changes in customer structure and needs, from omni-channel integration, smart interaction, smart insight, smart operations, digital operations, precision marketing, and smart management and control perspectives. The solution has led to in-depth changes in branch positioning, business models, spatial environment, transaction processes, service processes, marketing models, and management and control models in different dimensions to comprehensively improve branch service efficiency, customer experience and branch capacity, effectively reducing banks’ operating costs and improving operating efficiency.

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Big Data Risk Scoring

Yusys Technologies aims to help financial institutions develop stably and has partnered with several big data risk control companies in China for intelligent risk control and anti-fraud measures. Leveraging its more than 20 years of service experience in the banking industry, Yusys Technologies has integrated the data capabilities of authoritative institutions such as public security, social security, UnionPay, railways, and aviation, and introduced the world’s leading knowledge map, neural network, machine learning, and other technical capabilities to create an intelligent risk control and anti-fraud product system. The solution includes verification products, anti-fraud scoring, risk warning, marketing customer profiles, and “Wallet Location Radar ”, providing financial institutions with "targeted marketing – intelligent anti-fraud-application approval – risk warning" and other intelligent risk control throughout the process.

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Existing Customer Remarketing Platform

As traffic dividends and demographic dividends are gradually disappearing, how to tap new traffic opportunities in the remaining market and accurately reach target customers has become an urgent problem for many financial institutions. Accordingly, Yusys Technologies launched SCM, a remarketing platform for existing customers. The SCM platform adopts a cooperative operation model. Financial institutions do not need to bear any costs in the early stage, but pay according to the marketing conversion results. To improve customer contribution, retention, and brand awareness, the platform uses big data and machine learning to conduct accurate customer analysis and product marketing.

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Scenario-Based Financial Operations

Upholding the principle of win-win concept, Yusys helps financial institutions improve their digital financial service capabilities, and expand the open financial business ecosystem through open financial empowerment service platforms connecting financial scenarios , . The services mainly include business consultation, technical consultation, scenario docking, smart risk control, credit card business SaaS service, operation support, and data analysis, etc.

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Consultation

Yusys Technologies combines advanced Chinese and international management concepts and business models to provide IT planning consulting, business and management consulting, and commercial software implementation consulting. The company’s high-quality expert think tanks rely on their years of experience, understanding and grasp of the domestic financial IT industry to provide increasingly advanced perspectives for the financial industry, help improve bank operations and management, implement management concepts into specific business consulting services, and provide advanced system tools in the industry. The advantages of Yusys Technologies' consulting services are reflected in its comprehensive consulting, integration, and implementation capabilities for different customers and projects in the industry.

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User Experience and Design

The User Experience Innovation Division has conducted more than 10 years of user experience research, has strong exposure to user experience projects in China and foreign countries, and has good international vision as well as a fully functional user experience innovation laboratory. Yusys uses scientific methods that take into account China's domestic situation and social conditions, to provide customers with high-quality user experience research, design, evaluation, standardization, and training, and treats design as a dynamic process. In the design process, the designers, engineers, and marketing planning and promotion experts improve the products and services. The services include human-computer interaction, usability research, interface design, and customer experience research and cover many industries such as education, finance, communications, healthcare, internet, and transportation.

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Application Development

Yusys Technologies provides financial industry customers with diversified technologies, multi-region support, and full life cycle technology development services. Leveraging its professional CMMI5, ISO9001, ISO20000, and ISO27001 certification, Yusys provides customers with standard technology development services. So far, Yusys has provided technology development services to more than 750 financial institutions from home and abroad. Thanks to its ever-growing industry exposure and experience, Yusys can help customers save costs and improve IT development.

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Testing

As a software and IT service company that provides a full range of products to the financial industry, Yusys Technologies' testing services have become an integral component in the whole product lines. The testing team focuses on continuously improving the quality of application systems, controlling system performance and availability, controlling project costs and risks, and creating a reliable testing service brand. Keeping track of international leading technologies, Yusys Technologies' testing team has accumulated rich best practices, and is committed to providing customers with high-quality testing services.

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Operation and Maintenance

After more than 20 years of experience and ongoing development in the financial industry, Yusys Technologies’ operation and maintenance business has established a multi-dimensional integrated delivery model of "system consulting + operation and maintenance products + technical support", and has established a high-end expert team, with solutions and implementation capabilities for new development, operation, optimization, and continuous improvement of data center. The company is now the leading operation and maintenance service provider in the industry.

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IT System Value-added Services

The IT system value-added services cover all-round services such as financial data center consulting planning, construction implementation, security maintenance, etc. Through cloud computing, big data, distributed technology, agile operation, and other technical means, Yusys enables financial customers to build advanced IT architecture, agile IT capabilities, and ensures their strong IT performance, to realize a transformation from the status quo into sensitive-state data centers.

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Credit Processing

Credit Processing

13 major products covering all credit management business scenarios Landing several projects that are “firsts” in the industry
Mobile Credit Management

Mobile Credit Management

The mobile credit system of Yusys Technology is mainly to realize functions of online applications and approval of pre-loan business and in-process management, establishes a complete post-loan operation system and management process, meanwhile develop new business demand according to the cross-sale exploration ideas, so as to meet the basic needs of front-line sales managers and the mobile approval needs of related managers. The construction of mobile credit aims to realize the functions of online application, approval and post-loan risk control, etc. Meanwhile guarantee the robustness, stability and scalability of the system in terms of data architecture, process system, and parameterized configuration.
Farmer Pre-credit Management

Farmer Pre-credit Management

As Yusys Technologies aims at improving work efficiency and controlling credit risk as the starting point, facing the agriculture, rural areas , SME credit business, it has built a set of customer collection tool systems for bank managers and sales to conduct rural customer, such types of customers include farmers, natural persons, individual industrial and commercial households, SME owners, to help users quickly obtain customer information, submit loan applications, and regularly track customer information. The customer information collection tool consists of two parts, namely the channel collection terminal and the backstage management terminal, which jointly complete the data collection of customer information and preliminary data analysis (for example: pre-rating, pre-credit), and provide powerful support for subsequent business systems support. Through configurable data collection templates, the acquisition standard can be standardized, and the convenience of the acquisition process can be improved.
Financial Analytics

Financial Analytics

As Yusys Technologies sets effective credit risk management as the core principle, a financial analytics tool has been built up. The standardized input and storage of customer financial data is carried out. Based on this, financial analysis, historical data analysis, medium and long-term financial forecast, peer comparison and financial performance ratio analysis are carried out to help users have a more accurate understanding of customers' historical financial situation and future development strength, and lay an objective foundation for correct credit decision-making.
Credit Rating

Credit Rating

As Yusys Technologies sets the improvement of banks’ credit risk management capabilities as the starting point, it has built a simple and easy-to-use credit rating evaluation tool. The rating objects cover all types of customers including corporate customers, inter-bank customers, public institutions, individual customers, and farmers. The system conducts a comprehensive evaluation of the borrower’s or potential customers’ capital status, operating capabilities, capital liquidity, management level, industrial development prospects, etc., to understand the debtor’s ability and willingness to repay, and the possibility of overdue, then to improve loan quality, select high-value customers, reduce bad debt rates, and further guarantee the safety and profitability of assets.
Supply Chain Finance Management

Supply Chain Finance Management

This solution covers a total of 3 categories and 6 sub-categories of supply chain financial services, namely: receivables (traditional factoring, pool financing, reverse factoring), prepaid (prepaid pledge financing, incoming warehouse receipts), and inventory (collateral pledge), applicable to banks and non-bank financial institutions. The system enables information flow interoperability and whole-process direct communication between the relevant groups of the supply chain business (banks, core enterprises, borrowers, logistics supervision enterprises, trading markets, other financial institutions, etc.), improves the financing efficiency, and reduces the credit risk and management costs of financial institutions.
Credit Processing Platform

Credit Processing Platform

The credit processing platform is designed to separate the unified authorization system and credit operation front-end from the original credit-type system, thereby solving the front-end and back-end integration problems faced with different vendor systems in the traditional credit system group architecture. It also solves the problem of personnel demands to frequently switch systems during business processes, thereby improving the operating efficiency of sales managers in the bank credit asset operations and the level of credit risk control, as well accelerates decision-making efficiency. The credit operation platform completely isolates the front-end business from the back-end operation, as the result of which services are standardized, costs are reduced, and the risk control is strengthened.
Unified Credit Management

Unified Credit Management

Base on the trend of commercial banks’ demand, Yusys Technologies has built a professional unified credit management system in accordance with regulatory requirements. The system plays an important role in controlling credit risk and preventing excessive financing. The unified credit management system is positioned as a centralized, unified, and standard credit control system for the entire bank. It can standardize customer credit extension operations and processes at all levels of institutions and business lines, and provides a professional operation, support, and management platform. The unified credit management and control system can realize centralized management of credit for single legal person customers, group customers, inter-bank customers, and retail customers. At the same time, it supports credit management from pre-credit granting customer information collection, customer rating, credit application and approval, to credit management in the mid-credit granting stage. Relevant functions such as quota occupancy, maintenance, credit change, and extension operations in the post-granting phase can also meet customized needs.
Inter-Bank Credit Management

Inter-Bank Credit Management

Yusys Technologies has built an inter-bank credit solution that meets the requirements of unified credit management for commercial banks. It covers annual inter-bank credit, annual batch inspections, and credit-like business registration. The inter-bank credit system focuses on solving current banking problems such as fragmented information and lack of informatization of credit management. The inter-bank credit management system can meet the inter-bank credit management demands of different banks through functional modules such as clients management, credit rating, credit management, inter-bank business, and risk control management.
Online Credit Management

Online Credit Management

Yusys Technologies is focused on the digital transformation of credit business and non-touch credit service requirements of commercial banks in the post-epidemic numerical economy period. With the help of internal and external big data, the product provides precision marketing through integrated view of customer, and reaches the biggest range of customers through omni-channels. The quota and pricing models meet the requirements of fast, efficient and 24-hour responsive automated processing without manual intervention throughout the process.
SME Loan Management

SME Loan Management

Yusys Technologies has developed a credit system that targets on SME and personal loans, and covers the full-life cycle risk management. Leveraging the advanced practices of state-owned banks and joint-stock banks, the system can meet diversified demands from regional small and medium banks, and provides a business processing platform that integrates SME online loan business, traditional credit business, and online small credit loan of supply chain business.
Retail Credit Management

Retail Credit Management

In the retail credit business sector, Yusys Technologies has built a new generation distributed retail credit system based on internet and big data, which improves the customer service experience, optimize asset quality and increase profitability. The new generation distributed retail credit system uses the SpringCloud distributed architecture, and works within the constraints of Spring4, iBatis, Eureka, Feign, Hystrix, and other related open-source frameworks. It has low coupling and high scalability and can quickly respond to market demand and meet the needs of short-term, fast-paced retail credit business.
Corporate Credit Management

Corporate Credit Management

Yusys Technologies' corporate credit management solution is a bank-wide cross-regional integrated credit management system. It is more than a risk control management system for banks. The solution takes the lead in terms of conceptual design and functional applications. This is a whole-process system that fully complies with Basel II, and takes customer management as the basis, process management as the main line, and credit risk prevention as the goal. It can realize management, statistics, analytics, monitoring, approval, control of corporate credit business for all levels of business management, and provide storage, aggregation, collection, and analysis of credit and related business information.
Integrated Credit Management

Integrated Credit Management

Yusys’s integrated credit solution serves as a full-process credit operation system. The product is designed to integrate multiple channels into one platform through covering a wide range of business scenarios such as corporate business, inter-bank business, retailing business, and SME business. Aims at the process of client management, financial analysis, credit rating, credit granting, contract management, disbursement, post-loan management, risk classification and disposal, and asset preservation information capture and process approval is carried out within the credit platform. The system can be taken as a single data source of credit business for commercial banks, and meets various internal & external data requirements.

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