The ‘We’-Volution: FinTech-Driven Credit Risk Management at WeBank
DOI:
https://doi.org/10.62051/ijgem.v8n3.23Keywords:
WeBank, Credit Risk Management, FinTech, Big Data, Blockchain, Digital BankingAbstract
This paper analyzes WeBank’s credit risk management system as a representative model of China’s digital banking innovation. It systematically examines WeBank’s multi-stage risk control framework—covering pre-lending, in-process, and post-lending phases—built upon big data analytics, AI-driven credit scoring, and blockchain-based traceability. The study explores how the bank integrates real-time data processing, automated decision-making, and intelligent monitoring to identify, assess, and mitigate risks across the credit lifecycle. While recognizing its effectiveness in maintaining asset quality, the paper also highlights structural weaknesses such as credit concentration, asset pressure, and compliance gaps. Finally, it proposes targeted improvements in data integration, information security, and post-loan fund supervision to enhance the overall resilience and sustainability of WeBank’s risk governance framework.
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