The process and interface of front-end cash loan products are usually relatively simple, while the back-end system and logic are much more complicated than the front-end. The product structure of a relatively mature cash loan business is as follows: From top to bottom, it can be roughly divided into five modules, and the modules partially overlap: 1. Front-end products Product form: the carrier of front-end products, usually APP, H5, official account, applet, and PC station; Upstream traffic: Users can log in and use their own products, or they can access and use them from other APPs or web pages (such as Rong 360, Kaniu). flow side; Third- party data: The data used for risk control decision-making, in addition to the incoming data, SMS, address book, equipment information and other data collected by oneself, will also be supplemented by the credit data of multiple third parties (such as shields).
There are ID card verification, operator phone number list authorization, blacklist, credit report, etc. 2. Pre-loan review User center: store user information such as name, mobile phone number, certificate, etc., as well as data such as user label and user level; Risk control system: For different scenarios, flexibly configure and release risk control rules, strategies, decision tables, and decision flows in real time to build the entire risk control engine; Credit review system: It is mainly used to manually review the user's loan application, which is divided into initial review and final review; Funder routing: allocate funds according to product, channel and other configuration rules, and complete the business process of debt transfer/direct investment; Contract management: configure and maintain different contracts, agreements and templates for different traffic channels and funders.
Traffic distribution: divert your own traffic to other loan platforms for traffic realization. 3. Loan management Business Center: It mainly includes functions related to order business such as order management and repayment plan; Payment Center: Responsible for completing the business process of user card binding, lending, and repayment. Collection system: It is used to collect overdue users. It can automatically divide cases, set collection rules, record the operations of collectors and collect collection data. 5. Basic Services Financial system: It is used for financial reconciliation of various entities in the business, and has financial functions such as fund payment, collection and payment; Data Center: Complete data collection work such as app embedding, log recovery, etc., output traffic, business, post-loan and other reports, and support visualization; Operation system: including advertising space management.