Bank of Communications Zhongshan Branch Innovates with Drone Technology to Empower Digital Post-Loan Risk Management

Amid the wave of tech-enabled finance and risk control, the Bank of Communications’ Zhongshan sub-branch, in the low-altitude economy industry sector, has innovated its post-loan management approach and successfully introduced drone technology to explore a new digital-assisted post-loan risk control model. To date, this model has been applied to the management of credit projects with a balance of nearly 800 million yuan, effectively improving the timeliness, accuracy, and forward-looking nature of risk monitoring.

	The branch has reached a cooperation with a Guangdong technology company, integrating and analyzing multidimensional data collected by drones—such as image and video data—with customer information in the credit system, transaction records, and project status, among other inputs, to build a closed-loop management process of “flight data collection—data labeling—risk-control linkage.” At the same time, it has jointly developed the 《Operational Standards for Post-Loan Verification of Drones》, clarifying standardized operating procedures under different credit scenarios, with a focus on two major areas: monitoring the project construction progress and verifying the continued existence status of collateral. As of now, through coordinated drone-assisted verification, it has completed scheduled inspections of six industrial enterprises’ newly built factory-area projects, covering multiple areas including Dongqu District, Cuiheng New Area, Bianfu Town, Triangle Town, and more in Zhongshan.

	This innovative practice has injected entirely new momentum into post-loan management: it enables simultaneous and rapid verification of dispersed assets, significantly improving work efficiency; it substantially reduces traditional verification costs such as travel and time; and by leveraging drones’ wide fields of view and real-time data collection advantages, it effectively overcomes observation challenges such as limited coverage in elevated work areas and complex terrain, making risk identification more precise and early warnings more timely.

	Taking the service to a “specialized, refined, distinctive, and innovative” enterprise in Cuiheng New Area as an example, the company is a key project introduced to the new area from Shenzhen, supported by a fixed-asset loan of 160 million yuan from the sub-branch. As the first in-progress fixed-asset loan project under the cooperation between the two parties, the sub-branch increased the frequency of drone-based visits and surveys, overcame the limitations of ground inspection coverage, and dynamically tracked construction progress, providing more precise data support for post-loan risk assessment.

	Currently, drone technology in the sub-branch’s post-loan risk control has been applied across multiple credit scenarios and regions. This “technology + human” collaborative operating experience will provide a replicable and scalable practical model for the digital transformation of the banking industry.

(Editor: Jiang Yongdan)

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