LLM-Based Policy Compliance Verification of Loan Applications· 基于大模型的贷款政策合规性验证

Banks rely on extensive internal policy frameworks to ensure that corporate lending decisions comply with regulatory requirements and internal risk standards. Reviewing loan applications against these policies is a largely manual and knowledge-intensive process, which can lead to overlooked policy violations or exceptions. This report presents a prototype of an LLM-based policy checker that automatically verifies loan applications against internal lending policies. The proposed approach follows a two-step architecture. First, compliance-relevant rules are automatically extracted from policy documents and converted into structured, machine-readable representations. Second, loan applications are evaluated against the extracted rules to identify policy exceptions, non-compliant findings, miss