Small business loan approvals average 10 days. The MD wants that down to 2 days within 3 months and is leaning toward a fully automated decision engine. Your data shows actual processing time is only 6 hours, 40% of applications wait an extra 4 days on average for missing documents, and Risk opposes full automation. What do you recommend to the MD?

小企业贷款审批平均要 10 天，业务 MD 要求 3 个月内缩到 2 天，而且已经倾向于上全自动决策引擎。你拆完数据发现，真正的处理时间只有 6 小时，40% 的申请因为补材料平均多等 4 天，风险部门也反对全自动。你会怎么给 MD 建议？