The guarantee cloud helps companies better adapt to the development trend of financial technologies, enhance their competitiveness, and provide better services through an innovative model that focuses more on operations rather than assets. The guarantee cloud application service platform provides a full range of service functions including customer management, project management, risk control management, post-guarantee management, and collection management. It allows approval and inquiry on mobile apps and supports third-party interface services such as OA, finance, and big data. Therefore, it not only meets the internal business management needs of guarantee companies but also meets the needs for external output of data such as regulatory reporting.

The second-generation credit reporting system adopts a safe and compliant technical architecture that meets the requirements of the People’s Bank of China (PBOC) in all aspects and helps clients quickly complete the submission and query of credit data. The application is deployed and launched in the form of a SaaS cloud and has been used by local guarantee companies in Shanxi, Heilongjiang, and Yunnan to connect to the PBOC’s credit reporting system and conduct credit inquiries. It has been recognized by branches of the PBOC in many provinces. What’s more, the guarantee cloud also provides a comprehensive risk control system to help companies integrate various third-party data including credit information, build their business risk control system and product risk control model, and improve their business compliance and risk management capabilities.