【Introduction】
In June 2024, Shanghai Huibi Information Technology Co., Ltd. (hereinafter referred to as “Huibi Information”) officially launched the "Tianheng" AI Financial Risk Control Platform 3.0. Integrating deep learning, graph computing, and real-time big data analytics, the platform offers end-to-end intelligent risk management solutions for the banking industry. Currently, it has been piloted in five major commercial banks, delivering an average reduction in non-performing loan ratios by 40% and improving approval efficiency by 90%.
I. Technological Breakthrough: From Rule-Based Engines to Intelligent Decision-Making
Traditional financial risk control relies heavily on manually set rules, which struggle to counter emerging fraud methods. "Tianheng 3.0" achieves breakthroughs through three major technological innovations:
- Multi-Modal Data Integration
Combines over 20 data sources—including internal bank transaction data, central bank credit records, and social network information—to build a 360-degree user profile. - Dynamic Risk Modeling
Employs federated learning technology to enable cross-institution model training while ensuring data privacy. Fraud detection accuracy reaches 98.7%. - Millisecond-Level Real-Time Decision-Making
Optimized with edge computing, the platform reduces risk assessment response time to under 50 milliseconds and supports monitoring of 100,000+ concurrent transactions per second.
*"During the pilot phase, the system intercepted a organized fraud attempt involving RMB 20 million in real-time—from detection to blocking in just 0.3 seconds."*
— Zhang Wei, General Manager of FinTech Business Unit, Huibi Information
II. Industry Application: Collaboration with a State-Owned Bank
- Challenge: A major state-owned bank’s credit card center faced rising fraud rates and high manual review costs.
- Solution:
- Intelligent Credit Assessment: Uses AI to predict customers’ repayment capacity, increasing automated approval rates to 85%.
- Organized Fraud Detection: Leverages graph neural networks to uncover cross-regional fraud networks, leading to the dismantling of three criminal groups within six months.
- Results:
- 37% reduction in fraud losses
- 60% decrease in manual review labor costs
III. Future Plan: Building an Open Risk Control Ecosystem
Huibi Information announced the launch of the “Financial Risk Control Developer Program”:
- Open API interfaces to partners for developing customized risk control modules
- Plan to onboard 100+ small and medium-sized financial institutions by the end of 2024
- Establish the "AI Financial Security Laboratory" in collaboration with Fudan University to research defense technologies against adversarial attacks
【Conclusion】
"The release of Tianheng 3.0 marks the beginning of the ‘Intelligent Twin’ era in financial risk control."