“云按揭”通过决策引擎自动审批。省去了大量的人力、物力;基于大数据的审批模型,能快速运作并提供审批意见;完全无需人工值守就能自动跟踪贷款进度。从传统银行的业务发展逻辑而言,发放零售贷款的手续都是通过前端的贷前调查和后端的集中审批来实现,基于线下的流程,操作住房贷款往往因其环节多、流程长、放款慢、额度紧而效率低下。作为国内零售业务基础最良好的招商银行,在实现了零售业务转型的第一个阶段——市场和客户培育之后,以互联网思 “Cloud Mortgage ” is automatically approved by the decision engine. Save a lot of manpower and material resources; based on the big data approval model, can quickly operate and provide approval advice; completely without manual duty can automatically track the progress of the loan. From the business development logic of the traditional bank, the procedures for issuing retail loans are realized through front-end pre-loan surveys and back-end centralized approval. Because of the offline processes, the operation of home loans often involves many links, long processes and loans Slow, very tight and inefficient. As the best underpinning retail business in China Merchants Bank, in the realization of the retail business transformation of the first phase - after the market and customer nurturing, thinking of the Internet