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The rapid advancement of artificial intelligence (AI) and big data technologies is transforming financial services globally. In China, DeepSeek—a cutting-edge AI platform developed domestically—has emerged as a game-changer for the banking sector, particularly in credit services. This white paper examines how DeepSeek is reshaping credit processes across three critical phases: pre-loan assessment, in-loan risk management, and post-loan collections. Through real-world case studies from Chinese commercial banks, we demonstrate how this technology enhances risk control, operational efficiency, and customer experience while creating new business models. For North American financial institutions observing China’s fintech evolution, this analysis provides valuable insights into: Section 1: The DeepSeek Advantage in Credit Risk Management 1.1 Technical Architecture DeepSeek integrates multiple advanced AI capabilities: 1.2 Comparative Advantage...

Like(0)SinoLoanExpert2025-04-04Banking Advisors AI credit scoringAI in bankingalternative data scoringbanking innovationChina fintechcredit risk managementDeepSeekdigital transformation in financefinancial technologyintelligent collectionsloan automationNPL managementrisk assessmentsmart lendingViews()