Zhiyin Zhihui

Beijing Zhiyin Zhihui Technology Co., Ltd. is a fintech enterprise dedicated to industry big data and knowledge graphs. It utilizes machine learning and knowledge graph technology, combined with financial industry consulting experience, to provide entirely new data services and product operations for financial enterprises in areas such as risk management, precision marketing, customer value, and supply chain finance. Zhiyin Zhihui is a cross-boundary integration of IBM and the Chinese Academy of Sciences big data team. Its founders are a team of experts from China's earliest group engaged in financial big data mining and using knowledge graphs to analyze enterprise risks. In addition, the Zhiyin Zhihui team includes financial experts from consulting firms who have long served major financial institutions such as the China Banking Regulatory Commission, the People's Bank of China, Industrial and Commercial Bank of China, China Construction Bank, Bank of China, China Development Bank, Bank of Communications, and China CITIC Bank, with extensive big data analysis backgrounds and financial industry service experience, and will provide high-standard data services in China. As early as 2006, the founding team of Zhiyin Zhihui used cross-bank customer credit data from China's largest nineteen banks at the China Banking Regulatory Commission to analyze enterprise relationship graphs of group customers and credit customers, and developed China's first model in this field—the OSCAR customer risk warning model, which was successfully applied by China's regulatory authorities and promoted to numerous large state-owned banks, joint-stock banks, and city commercial banks, achieving enormous economic benefits.