Shinhan Investment Corp. Launches AI Credit Extension Guardian Service

Shinhan Investment Corp. announced on December 10 that it has launched the "AI Credit Extension Guardian" service through the Shinhan SOL Securities application. This service has been developed by training an artificial intelligence (AI) model with the company’s accumulated know-how in monitoring and risk management for credit extension stocks.

The AI Credit Extension Guardian service is designed to have AI learn key risk assessment criteria that Shinhan Investment Corp. has used in its credit extension management process, such as period returns, volatility, sector, and market capitalization. With this, the service enables daily analysis and tracking of when and for what reasons the risk of credit extension stocks is increasing.

Additionally, as a major update to the AI PB investment information service launched within the Shinhan SOL Securities app in August this year, the scope of the existing personalized AI service has been expanded to include the credit extension sector. Previously, credit extension risk information was provided on a semi-annual basis, making it difficult to reflect rapidly changing market conditions. In contrast, this new service automates Shinhan Investment Corp.’s risk management assessment system with an AI model, allowing the risk trend to be reflected using the most up-to-date daily data. As a result, customers can observe and identify risk changes on a daily basis, rather than only after risks have significantly increased.

To further enhance user convenience, a new "Credit Extension Grade Change Alert" function has also been introduced. If the grade of a credit extension stock held by a customer changes, they will receive a personalized app push notification immediately.

Notably, on the AI Credit Extension Guardian screen, the AI model-reflecting Shinhan Investment Corp.’s credit extension risk management standards-analyzes and notifies users of risk increases for individual stocks as well as the overall portfolio risk. The screen also briefly explains, by item, why the risk of a particular stock has increased, allowing users to understand the causes of the risk.

A Shinhan Investment Corp. representative stated, "Through the AI Credit Extension Guardian service, AI PB now provides the know-how Shinhan Investment Corp. has accumulated over many years in managing credit extension stocks," adding, "We will continue to enhance the service by reflecting customer feedback and advancing AI technology."

This content was produced with the assistance of AI translation services.