Mobile phone microfinance arises Big data, credit informatio

At present, with the micro-bank lending on the line, plus cash lending, flying loans, mobile phone loans and other platforms, there are more and more platforms through mobile loans. Data and risk control are indeed extremely important for borrowing through pure online, and with the gradual development of credit reporting agencies, it is possible for institutions to complete risk control through pure online. At present, with the micro-bank lending on the line, plus cash lending, flying loans, mobile phone loans and other platforms, there are more and more platforms through mobile loans. Industry insiders told the reporters of "Daily Economic News" that it is more convenient to borrow from the mobile terminal, but it may be more suitable for some loans with smaller amounts. At the same time, through the pure online mode such as mobile, the loan still needs to rely on big data. Development and continuous improvement of the credit information system. "We have now docked eight credit reporting agencies." Mobile credit related people told reporters that most of their platform's loan applications are directly reviewed by the system, and a small number of people need manual intervention. The proportion of borrowings on the mobile terminal has increased. According to the data released by the P2P platform, since 2015, the number of people applying for loans, the number of transactions and the amount of loans have shown a rapid growth rate on the mobile terminal, accounting for the proportion of the total business scale. It is also constantly improving. In particular, in the third quarter, the number of people borrowing through mobile terminals was close to half, almost the same as the PC. In terms of scale, the amount of mobile-side borrowings accounted for only 10% in the first quarter. By the third quarter, the data had expanded to 26%, accounting for a quarter of the total turnover of the platform. Zhang Jun, CEO of the auction, said that by the end of this year, the proportion of borrowing services imported by the mobile terminal will exceed 45%. With the development of the mobile Internet, the user's usage rate for the mobile terminal is obviously higher, and the relevant organizations are paying more and more attention to the mobile terminal. Micro-Bank has previously launched the "micro-finance", first selected on the WeChat wallet, and then opened the relevant functions of the mobile QQ, are completed through the mobile, and the "lightning loan" of China Merchants Bank is similar, qualified customers Mobile banking can be used to get loans quickly. It is understood that some P2P online lending platforms can also borrow through mobile APP, and there are also products that only specialize in WeChat or mobile, such as mobile loans and mobile phone loans. Liang Shixian, deputy general manager of Qianjin, told the reporter of "Daily Economic News" that in general, large-scale loan risk control needs to be completed offline, and some small loans can be completed on a purely online basis. It is understood that most of the loans completed through mobile or mobile phones are small-sized consumer loans or credit loans. For example, the loan amount of micro-credit is generally less than 200,000, and the loan amount of China Merchants Bank of Lightning is up to 500,000. Mobile phone loans offer small loans of up to 5,000. The data on the auction of loans also showed that the average amount of single loans in the third quarter was 4,865, 75% of the loans were for personal consumption, and the single loan of less than 5,000 was exactly the same as the characteristics of personal consumption. Zhang Jun said that looking at the status quo of the industry, the penetration rate of mobile Internet in the Internet finance field is still low. With the popularization of mobile devices such as smart phones and tablet PCs, the proportion of traditional PC-side services will become smaller and smaller, and the mobile terminal will It has become a new blue sea for fierce competition in P2P online loans. The mobilization of the mobile power has risen to a strategic level, and in the future, it will be able to use the mobile side to achieve business-scale cornering overtaking, and will even change the market ranking of the financial industry. Wind control can never be bypassed However, like ordinary loans, risk control is a problem that cannot be circumvented. If pure online risk control wants to achieve the expected results, it will inevitably require more abundant data and a gradual improvement of the credit information system. Wu Xianyong, CEO of Castaway Network, told the reporter of "Daily Economic News" that the application can be applied for on the APP, but the approval will be carried out online. He believes that it will take some time for a large-scale promotion of online approval. The key is that in terms of data, once the data is gradually improved, it is expected to bring a great impetus to the platform. Liang Shixian believes that the risk control model on the pure line is very different from the traditional one. If the information is filled by the user online, the risk will be relatively large, and many platforms are still in the trial and error stage, just try slowly. In addition, the involvement of the credit information system has a very good effect on wind control. Zhang Xiang, chief of the Mavericks Jar, also believes that nowadays, whether it is credit reporting or data algorithms, it is still in the stage of experience accumulation, but this is a direction, and the platform will work hard in this regard in the future. Data and risk control are indeed extremely important for borrowing through pure online, and with the gradual development of credit reporting agencies, it is possible for institutions to complete risk control through pure online. "We are currently docking eight credit bureaus, and the data dimension of one user is about 4,000." The mobile phone loan said the relevant person. In fact, the pat on the loan has been trying to build a self-assessment system since its inception. It is reported that the current accumulated data of the platform has exceeded 5 billion, and the "magic mirror" wind control system has also been created. The chief operating officer of Lianjin said that the reason for the lack of large-scale promotion of pure online loans is mainly due to the imperfect credit system. As the system continues to improve, big data is developing better, and there are some strong prospects in this field.