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Lao Guo's Learning Space
Lao Guo's Learning Space
Apr 29, 2026 · Big Data

Designing a Full-Stack Credit Data System: From Ingestion to Real-Time Decision

The article dissects a credit data system architecture, detailing six logical layers—from multi-source data collection and feature engineering (including graph features and feature stores) to model training, real‑time stream processing, decision engine integration, and privacy‑preserving computation—while explaining the trade‑offs, tools, and performance targets needed for accurate, low‑latency risk assessment.

Credit ScoringFeature StoreFlink
0 likes · 16 min read
Designing a Full-Stack Credit Data System: From Ingestion to Real-Time Decision
DataFunTalk
DataFunTalk
May 8, 2024 · Big Data

Risk Control and Data Application in the Bulk Commodity Industry: Challenges, Solutions, and Core Capabilities

The article presents Ant Group's exploration of applying its data‑driven risk control and credit assessment capabilities to the traditional bulk commodity sector, detailing industry background, data pain points, core technical solutions, and the construction of a secure, explainable data‑model platform for digital transformation.

AIBig DataBulk Industry
0 likes · 13 min read
Risk Control and Data Application in the Bulk Commodity Industry: Challenges, Solutions, and Core Capabilities
DataFunSummit
DataFunSummit
Mar 22, 2024 · Artificial Intelligence

Risk Control Model Construction for Online Small Loans: Pre‑loan, In‑loan, Post‑loan and Monitoring

This article presents a comprehensive overview of risk control model building for online small‑loan scenarios, covering pre‑loan, in‑loan and post‑loan stages, the associated data pipelines, model deployment strategies, optimization attempts, and monitoring frameworks to ensure accuracy, stability and effectiveness.

Credit ScoringRisk Modelingdata pipeline
0 likes · 16 min read
Risk Control Model Construction for Online Small Loans: Pre‑loan, In‑loan, Post‑loan and Monitoring
DataFunSummit
DataFunSummit
Aug 22, 2022 · Big Data

Design and Practice of 360ShuKe Risk Control System Architecture

This presentation details 360ShuKe's risk control system architecture, covering its layered design, credit data lifecycle management, real‑time indicator computation, feature platform evolution, and solutions to challenges such as data loss, rapid model iteration, and feature drift.

Credit Scoringdata pipelinefeature engineering
0 likes · 12 min read
Design and Practice of 360ShuKe Risk Control System Architecture
DataFunTalk
DataFunTalk
Dec 8, 2020 · Artificial Intelligence

Financial Big Data Risk Control Models: Techniques, Applications, and COVID‑19 Challenges

This article presents a comprehensive overview of financial big‑data risk control models at Du Xiaoman, covering traditional scoring cards, AI‑driven time‑series and text processing, graph‑based networks, model interpretability, probability calibration, stability analysis, and the specific challenges introduced by the COVID‑19 pandemic.

Big DataCredit ScoringRisk Modeling
0 likes · 14 min read
Financial Big Data Risk Control Models: Techniques, Applications, and COVID‑19 Challenges
Didi Tech
Didi Tech
Aug 17, 2019 · Industry Insights

How Didi’s Ride‑Sharing Data Transforms Automotive Finance Risk Management

This article analyzes how Didi’s unique ride‑hailing scenario big data is applied to automotive finance, detailing the business model, asset‑side and full‑process risk challenges, data‑driven solutions, and future prospects for intelligent credit risk control in both enterprise and retail lending.

Big DataCredit ScoringDidi
0 likes · 14 min read
How Didi’s Ride‑Sharing Data Transforms Automotive Finance Risk Management
AntTech
AntTech
Aug 7, 2019 · Artificial Intelligence

AI‑Powered Credit Scoring Fuels the Shared Wardrobe Economy: The Sesame Credit Case

The article explains how Sesame Credit leverages machine‑learning and deep‑learning techniques to build a non‑financial commercial credit scoring system that underpins shared‑economy services such as a subscription‑based wardrobe, illustrating the broader impact of big‑data‑driven AI on consumer trust and market growth.

AICredit Scoringshared economy
0 likes · 8 min read
AI‑Powered Credit Scoring Fuels the Shared Wardrobe Economy: The Sesame Credit Case
DataFunTalk
DataFunTalk
Jun 6, 2019 · Artificial Intelligence

Design and Machine Learning Practices for Automotive Finance Risk Control

This article outlines the end‑to‑end design of automotive finance risk‑control processes, discusses key data integrity and customer segmentation considerations, and details machine‑learning modeling practices—including logistic regression, decision trees, GBDT, XGBoost, LightGBM and CatBoost—along with an automated platform to streamline model development and deployment.

Credit ScoringGBDTXGBoost
0 likes · 17 min read
Design and Machine Learning Practices for Automotive Finance Risk Control
Beike Product & Technology
Beike Product & Technology
Dec 6, 2018 · Artificial Intelligence

Real Estate Rental Platform: True Listing Model and Credit System Construction

This presentation details how Beike Rental leverages big data and machine‑learning techniques to detect non‑authentic listings, build a four‑criterion true‑listing model, develop pricing and image‑analysis models, and design a merchant credit scoring system that improves service quality and market efficiency.

Credit ScoringData QualityImage Analysis
0 likes · 27 min read
Real Estate Rental Platform: True Listing Model and Credit System Construction