Customer Story · Banking 客户案例 · 银行业

Verifying every AI credit report — before it reaches the committee. 在 AI 信贷报告抵达信贷委员会之前,先验证它。

A top-tier Chinese commercial bank deployed FinTruth across its credit operations to verify every AI-generated credit report before it enters the decision pipeline. The platform now serves approximately 1,000 credit managers daily — replacing hours of manual cross-checking with five-minute automated audits. 中国某头部商业银行在信贷业务条线部署 FinTruth,对每一份 AI 生成的信贷报告进行验证后再进入决策流程。该平台目前日均服务约 1,000 名信贷经理,将过去数小时的人工交叉核对压缩为 5 分钟内的自动化审计。

ANON
Top-tier Chinese
Commercial Bank
中国某头部
商业银行
Commercial Banking 商业银行
Credit Report
Verification
信贷报告
验证
Production · Live 生产环境 · 已上线
Key Results 关键成果

Measured in production. 在生产环境中度量。

Four metrics that matter to credit operations leadership. All figures observed across live production reports. 对信贷业务管理层而言最关键的四项指标——均来自生产环境真实报告的观测。

≥90%
Hallucination
Recall Rate
幻觉错误
召回率
Auto-detected of all errors 全部错误中自动识别比例
≥70%
Manual Review
Time Saved
人工复核
时间节省
Per credit report vs. baseline 单份报告对比部署前
5 min
Average End-to-End
Verification Time
平均端到端
验证耗时
Submit → audit verdict 提交至出具审计结论
~1,000
Credit Managers
Served Daily
日均服务
信贷经理
Active users · Live deployment 活跃用户 · 已上线部署
Challenge & Approach 挑战与方案

From hours of cross-checking to minutes of audit. 从数小时的交叉核对压缩为分钟级审计。

The bank had begun using LLMs to draft credit analysis reports — but the gain in drafting speed was offset by the time credit managers had to spend manually verifying every number, entity, and claim against source documents. 该行已开始使用大模型撰写信贷分析报告——但起草效率的提升,被信贷经理为逐项核对源文件中每个数字、主体与论断所耗费的时间所抵消。

Before 部署前 01

The hidden cost of trust 隐藏在信任背后的代价

AI-drafted credit reports looked polished — but managers couldn't tell which figures came from real source documents and which were fabricated by the model. Every report had to be hand-verified before it could enter the credit decision pipeline. AI 起草的信贷报告外观规范——但信贷经理无法分辨哪些数字来自真实源文件,哪些是模型虚构的。每份报告进入信贷决策流程之前都必须经过人工核对。

  • 2–4 hours of manual cross-checking per report 每份报告 2–4 小时人工交叉核对
  • Inconsistencies surfaced late, often at committee stage 不一致问题往往在信贷委员会环节才被发现
  • No traceable evidence chain back to source PDFs 无法回溯至源 PDF 的证据链
  • Compliance risk on entity confusion, calculation errors 主体混淆与计算错误带来的合规风险
After 部署后 02

Verification before decision 决策之前先验证

FinTruth inserts a five-minute formal verification step between AI drafting and human review. Every claim is classified as pass / suspect / error, with a clickable evidence anchor pointing to the exact source paragraph. Credit managers review only what FinTruth flags. FinTruth 在 AI 起草与人工审阅之间插入一个 5 分钟的形式化验证环节。每条论断被自动分类为通过 / 存疑 / 错误,并附可点击的证据锚点指向源文件原段落。信贷经理只需复核 FinTruth 标记出的内容。

  • 5-minute automated audit per report end-to-end 单份报告端到端 5 分钟自动化审计
  • ≥90% of hallucination errors caught automatically ≥90% 幻觉错误被自动识别
  • Every claim traceable to source PDF location 每条论断均可追溯至源 PDF 的具体位置
  • Complete audit trail for internal & regulatory review 完整审计链路,支持内审与监管复核
Real Interception Case 真实拦截案例

A numerical hallucination, intercepted. 一次数值幻觉,被及时拦截。

Anonymized excerpt from an actual production audit. Anything that could identify the borrower has been removed. The financial figures shown are illustrative of the error pattern, not the original data. 来自生产环境真实审计的匿名化片段。所有可识别借款人身份的信息均已移除,展示的财务数字仅用于说明错误模式,非原始数据。

Numerical Hallucination 数值幻觉

EBITDA-to-debt ratio inconsistency EBITDA 与总负债比率不一致

Case · Anonymized 案例 · 已匿名
Claim Generated AI 生成的论断

"Leverage analysis indicates an EBITDA-to-total-debt ratio of 0.42, suggesting moderate financial flexibility. On this basis, the credit committee may consider an internal rating of BBB+." "杠杆分析显示EBITDA 与总负债之比为 0.42,表明财务弹性中等。基于此,信贷委员会可考虑给予内部评级 BBB+。"

Source · AI report, §4.2 Leverage Analysis 来源 · AI 报告 §4.2 杠杆分析章节
The model inferred the ratio from a narrative summary without re-checking the underlying audited figures. 模型基于叙述性摘要推断了该比率,未回到底层经审计数据进行再验证。
Source Evidence (Audited Statements) 源文件证据(经审计报表)
Audited Statement · p.112 (Notes to Consolidated Statements) 审计报告 · 第112页(合并报表附注)
"EBITDA: 248M · Total Debt (current + non-current): 800M" "EBITDA: 248M · 总负债(流动 + 非流动): 800M"
Numerical Verifier · Auto-recomputed 数值校验器 · 自动重算
EBITDA / Total Debt = 248 / 800
= 0.31
Δ vs. AI claim: −0.11 (−26%) 与 AI 论断差额: −0.11 (−26%)
Voice from the Field 一线声音

How credit managers use it daily. 信贷经理日常如何使用。

Three anonymized perspectives from credit managers using FinTruth in production. All quotes paraphrased and anonymized to protect customer confidentiality. 三段来自生产环境一线信贷经理的匿名视角。所有引语经过改写并匿名处理,以保护客户保密性。

"
I used to spend half a morning verifying one AI-drafted report. Now I open FinTruth, see what's flagged, and focus only on those claims. The rest I trust because the evidence chain is right there. 过去我要花半个上午核对一份 AI 起草的报告。现在我打开 FinTruth,只看被标记出来的论断,其它的可以放心——因为证据链就在那里。
CM
Credit Manager · Corporate Banking 信贷经理 · 对公条线 3+ years of credit review experience3 年以上信贷审核经验
"
The numerical verifier catches calculation errors I would have missed under deadline pressure. Yesterday it flagged a debt-coverage ratio that looked fine until you re-ran the math — and the math was wrong. 数值校验器能抓到我在截止压力下可能漏掉的计算错误。昨天它就标出了一个看起来正常的偿债覆盖率——但只要重算一次,就发现算错了。
SR
Senior Credit Manager · SME Banking 高级信贷经理 · 中小企业条线 5+ years · Multiple branch experience5 年以上 · 多支行经验
"
What changed isn't the technology — it's the workflow. I no longer ask "is the AI right?" I ask "what did FinTruth flag?" My review becomes focused, faster, and defensible at the committee. 真正改变的不是技术,而是工作流。我不再问"AI 是否对"——我问"FinTruth 标了什么"。我的复核因此更聚焦、更快,也更经得起委员会的推敲。
RM
Review Manager · Credit Approval 审查经理 · 信贷审批环节 Pre-committee independent review委员会前独立复核
Anonymity statement: All quotes above are paraphrased composites drawn from production user feedback. Specific identifying details — names, branches, borrower identities — have been removed in accordance with our customer's confidentiality requirements. 匿名性说明:以上引语均为基于生产环境用户反馈的改写性合成表述。所有可识别身份的具体细节——姓名、支行、借款人身份——均已根据客户的保密要求移除。
What's Next 后续规划

From credit to enterprise-wide. 从信贷业务,迈向全行覆盖。

Phase 1 covers credit operations. Phase 2 expands the verification layer into adjacent risk-sensitive workflows. 第一阶段覆盖信贷业务条线;第二阶段将验证层扩展至相邻的高风险敏感工作流。

Phase 1 · Live 第一阶段 · 已上线
01

Credit Operations 信贷业务条线

FinTruth deployed across credit report verification workflow. Approximately 1,000 credit managers using the platform daily for AI-drafted credit analysis review. FinTruth 在信贷报告验证流程中完成部署,约 1,000 名信贷经理日常使用该平台审核 AI 起草的信贷分析报告。

  • AI-generated credit report verificationAI 信贷报告验证
  • Numerical & logical consistency audits数值与逻辑一致性审计
  • Full evidence chain back to source PDFs完整证据链回溯至源 PDF
  • Production-grade audit trail for internal review生产级审计链路用于内审复核
Phase 2 · Planned 第二阶段 · 规划中
02

Risk Management & Internal Audit 风险管理与内审部门

Expand the verification layer beyond credit operations into the bank's risk management and internal audit functions — wherever AI-generated documents enter risk-sensitive decision workflows. 将验证层从信贷业务条线扩展至该行的风险管理与内审部门——任何 AI 生成的文档进入高风险敏感决策工作流的场景,都将受益于这一能力。

  • Risk management report verification风险管理报告验证
  • Internal audit QC for AI-generated content内审对 AI 生成内容的质量控制
  • Cross-department compliance trail跨部门合规审计链路
  • Unified evidence governance across the bank全行统一的证据治理框架

Want to see this in your workflow? 想在您的工作流中看到同样效果?

Book a live demonstration. We'll audit a real AI-generated report from your team in 15 minutes — and show you exactly what the model got wrong. 预约一场实时演示。我们将在 15 分钟内对您团队的一份真实 AI 报告进行审计,并明确指出模型在哪里出错。

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