According to statistics, 2014-- During 2018, China's cumulative licensed financial institutions, consumer loans loans 248,231 yuan, trade-weighted NPL ratio of 4.5%, total non-performing assets nearly 11,170 yuan. With the continued rise of the national economy down, the total consumption of all types of non-performing assets of financial institutions and non-performing assets ratio of non-performing assets disposal pressure high.
Now, artificial intelligence technology has unwittingly *** in our daily work and life, It can cool mad pull, can softly. Then, when both the economic benefits and feelings of cloud computing and strive to information into wisdom of big data , simulate the way human brains work, learn reasoning AI encountered bad asset disposal industry , what kind of chemical reaction between them it ?
Compliance Standardization
Big data and artificial intelligence combine to allow machine learning, analysis of the debtor's tone of voice when answering the phone , so adjust, then surgery, improve communication quality.
All non-compliant innovations are empty. And principled, some method of artificial intelligence, so that before the loan, the loan, the loan after the disposal process becomes more and more standardized, more and more modern.
Accessibility man-machine dialogue
Intelligent voice collection mode, through flexible processes and policy configuration, and the debtor to carry out real-time, continuous and good "man-machine dialogue" .
Let robots mimic human answered questions debtor intelligent guide, take the initiative and make a judgment, and then to close the artificial voice collection of practical effect.
Let qualitative efficiency
In the non-performing assets disposal process, which requires artificial intelligence to solve the problem?
- For chestnuts, 996 closely related issues with you.
Because of the limited artificial agents, slow job training cycle, and the application of artificial intelligence collection techniques to reduce collection costs, improve efficiency and quality of the collection is critical - it can no training, no emotions, knowing when to follow up, and year-round do not leave, always full of positive energy. All of these, as human beings you can all do it?
Make it easy disposal
AI技术的发展，使得智能外呼催缴机器人早已不是呆在实验室里的精密仪器，而是一套智能化操作系统——将债务人逾期的数据资料巧妙嵌入，它能够重复完成大量催收工作。
语音识别技术的成熟，人工智能、机器学习及大数据分析技术在催收领域的不断深化，让机器提供的服务更趋优质，让不良资产处置工作变得更加简单。
啧啧，这些都很赞，谁可以做到呢？
催米科技的AI米智能语音催收系统就可以呀~不信可以测试测试 ↓↓↓
进入小程序，体验AI米
以人工智能、大数据、云计算、区块链等高新科技为核心要素，全面赋能金融机构，提升金融机构的服务效率，拓展金融服务的广度和深度，实现金融服务的智能化、个性化、定制化。催米科技便是行业领军成员之一。
作为一家专业的不良资产处置服务机构，催米科技自主研发的AI米智能语音催收系统目前已为金融机构不良资产处置及传统呼叫中心运营管理提供系统解决方案。当人工智能再进一步发展时，以催米科技为代表的人工智能语音系统，将极大地降低不良资产管理成本，优化管理流程和提升不良资产管理效率。
（催米AI米语音处理系统工作原理图）
AI米-还有更多优势
· 深谙商业银行各场景，流畅化本地部署，高效简化的合规流程，7x12x365无间断作业。
· 细分目标市场，多维度数据标签比对，提高精准投放，对案件周期智能匹配分案。
· 标准流程化管理，强大的报表监控，通过有效降低坏账率的提升，减缓金融机构的资金压力。
· 接通率提高30-50%，可联率提高10-20%。回款效果达到同期人工的80-85%。万元回款成本为人工的20-25%。与同期人工相比，合规指标提高10-15倍。
· 智趣语音互动，可根据用户需求自主录音，应用于各种定制化场景，帮助用户安排节假日问候。
Every era of difficult problems to solve will be new technology, artificial intelligence is brought into a functional non-performing assets industry, bringing more sophisticated and specialized electrical upgrade reminders work.
I believe, this artificial intelligence a "new species" will make the industry has become more technological sense, humane, but also more of a temperature.
More intelligent voice information, please public concern number: Shanghai reminder meters