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Bangongyi AI for Bank · Yuerong
SME acquisition:
see clearly, then hand to the bank.
Bangongyi AI for Bank provides technical services under engagement by partner banks. A business already on Bangongyi applies on its own initiative and grants authorization; we then organize its operating records within that scope and check them against the eligibility criteria the bank supplies. Product information comes entirely from the bank’s official sources; limit assessment, credit approval and disbursement all remain with the bank.
A technology company · 6 years · small enterprise · authorized
- Tax credit rating
- Grade A · general taxpayer
- Invoiced, last 12 months
- ¥18.6M · +12% YoY
- Invoicing continuity
- No zero-invoice months
- Legal-rep change, 6 months
- None
- Entity stability
- No anomalies found
Sample data, not a real company. The result reflects only whether the information matches the criteria the bank supplied. It is not a credit commitment and contains no limit assessment. Product names, rates and fees are published by the bank in its own name; the bank’s decision governs.
Core capabilities
From the business’s own authorization to an explainable eligibility result.
We do not underwrite, assess limits or touch funds. The labor-intensive step before approval — judging whether a business falls inside the criteria a bank has set — is what the agent does.
An application, then authorization, then processing
The business applies inside Bangongyi and confirms the scope of authorization item by item. Without authorization, nothing is processed.
- Authorization starts on the business’s side, with scope, purpose and term spelled out
- It can be withdrawn at any time, and processing stops when it is
- Processing never exceeds the overlap of the business’s authorization and the bank’s engagement
- Encrypted in transit and at rest, with an auditable processing trail
The business’s own records, in the bank’s terms
Within the authorized scope, scattered operating records become three kinds of indicators — scale, trend and continuity — presented the way the bank defines them.
- Scale: taxable sales, invoiced amounts, tax paid
- Trend: year-on-year and period-on-period across time windows
- Continuity: invoicing continuity and entity stability
- Definitions and time windows follow the bank’s requirements; results carry the data date
One question only: does it meet this bank’s criteria
The bank supplies the criteria; we check them one by one and return met or not met, with the reason.
- Dimensions are set by the bank: region, operating scale, years in operation and so on
- Every conclusion maps to a specific criterion and can be traced back
- “Not met” carries its reason too, so the bank can judge
- No limit assessment, no customer scoring, no part in approval or funds
Workflow
Five steps from application to the bank’s hand-off.
Application
A business applies inside the Bangongyi platform. Everyone we serve is already a registered user there.
Authorization
The business confirms scope, purpose and term item by item. Nothing happens without it, and it can be withdrawn at any time.
Profile
Within the authorized scope, the business’s own records become scale, trend and continuity indicators.
Eligibility check
Checked one by one against the bank’s criteria; met or not met, with reasons, no limits or scores.
Bank hand-off
The result goes to the bank. Product information is published by the bank in its own name; limits, approval, contracts and disbursement are all theirs.
Use cases
All of it happens inside the platform.
Demand surfaces in-platform
Businesses on Bangongyi already use it for attendance, expenses and payslips. When financing is needed they apply right there, with no separate entry point.
One authorization, several banks
A single authorization can be checked against criteria from several partner banks; those not met come with reasons, sparing the business repeated forms and the bank repeated screening.
Support for the bank’s review
Each conclusion traces back to a specific criterion and data date, so the bank’s own systems can verify it. Judgment and decisions stay with the bank.
Criteria refined with the bank
We configure and refine how the criteria are expressed so the check reflects the bank’s actual standards.
Value for banks
Explainable results, clear boundaries, authorized data.
A clear boundary
We provide only the technical service we are engaged for: no involvement in sales contracts, fund transfers, suitability assessment or limit assessment; no interactive consultation with businesses about financial products; no promotion of specific products to them.
Focus on eligible clients
Recommendations to the bank are based on its own eligibility criteria and its profile of a good client, so acquisition stays precise.
Every result is traceable
The same business yields different results under different banks’ criteria, each tied to a specific one and shown as a reason, not a black-box score.
Compliance foundation
Item-by-item authorization is the precondition; data encrypted in transit and at rest; MLPS level 3 certified; our large-model algorithm is registered with the CAC; licensed for value-added telecom services.
How we prove it works
Four measures, all reconciled against the bank’s own records. Platform scale never substitutes for technical effect. Fees are settled on the terms set out in the agreement.
- Agreement rate
- Share of cases where our result matches the bank’s review under the same criteria and data date
- Conversion
- Criteria met → valid application → accepted by the bank, de-duplicated; later stages recorded by the bank
- Processing efficiency
- Handling time for comparable clients, manual screening versus system-assisted
- Service cost
- Cost per effective client within the same business scope
Scope of service
Bangongyi AI for Bank is provided by Beijing Kaopu Qiancheng Network Technology Co., Ltd. as a technical service rendered under engagement by partner banks and within the scope of that engagement. We do not conduct any financial business. This page introduces our technical capabilities to institutional clients such as banks; it does not promote financial products to consumers and provides no purchase channel for them. Each bank publishes its own product names, rates, fees and risk disclosures through its official channels, governed by the product contract. Credit approval, limit setting and fund transfers are carried out by the bank under its own process.
Partner banks
15 partner banks, all at head-office level as a tier-1 service provider.
The banks below engage us to provide technical services within the scope they define. Product information, rates, fees and risk disclosures are published by each bank in its own name; their official channels and product contracts govern.
A natural marketplace of businesses
Credentials
Bangongyi AI for Bank · Yuerong
Want a check against
your own criteria?
Send us one product’s eligibility criteria and we will run the check across authorized businesses, reconciled on the four measures above. Limits, approval and disbursement stay with you.
