Since the establishment of Xinwang bank, Hunk era, as the first batch of IT technology construction service providers of Xinwang bank, has always provided customers with high-quality services and maintained good cooperation and mutual trust. During this period, he participated in the development of Xinwang bank planning center, "good loan" and other projects. "Good man loan", as the main product of Xinwang bank's digital universal benefit, relies on the self-developed anti fraud system and comprehensively uses technical means such as face recognition, biological probe, equipment fingerprint and associated network for risk control; At the level of credit real-time decision-making, with the help of artificial intelligence and machine learning algorithms, users are depicted, analyzed and judged in real time, so as to realize the whole process of machine intelligent approval, and output the decision-making results in 7 seconds at the fastest, which greatly improves the efficiency of credit approval and saves bank operation costs.