Take sincere letter seriously more and more in people today, is everybody using loan kind product when can you press an agreement as scheduled reimbursement? The credit circumstance of various places user how? On April 25, 360 finance release platform of banner finance science and technology 2019 first quarter " Chinese city credence 50 strong " pop chart. Sheet of a list of names posted up shows, shanghai, Suzhou, fine promote, without user of 5 cities of stannum, Beijing integrated credence gives a mark a TOP5 of city of row whole nation.
Graph: Seniority of credence of 360 finance city 50 strong complete a list of names posted up are odd
Public data shows, sheet of this a list of names posted up is the quantity of user of application of 360 receipt for a loan that is based on Argus intelligence wind to accuse a system to turn over con examine and verify, AI grading model is analysed to desensitization of user credit big data, according to all be worth whole nation of statistic of on any account each omit city credence condition, add authority to choose credit grading, before was being extracted 50 city undertakes announcing.
Besides announcing afore-mentioned 50 strong cities, 360 finance also save our country 23 times, the value of user credence cent of 2 4 5 municipalities, municipalities directly under the Central Government, Special Administrative Region undertakes authority is calculated on average adding, among them the user credence grading of Shanghai, Beijing, Zhejiang, Tianjin, Jiangsu is gotten run the whole nation. In light of whole, credence of southern city user gives a mark slightly tall, the user credence grading of sea of coastal city as above, Zhejiang, Tianjin, Jiangsu, Shandong, Fujian behaves bright look.
Big data intelligence disentombs user credence value
Public data shows, join as " user and financial orgnaization " platform of financial science and technology, 360 finance built extensive and thorough big database. Be based on huge user data, 360 finance built the service framework zephyr on complete flowline to control a system, and original creation the wind of big data intelligence of an Argus controls a system.
Up to on December 31, 2018, 360 finance accumulative total awards credit door to reach 12.54 million person, the history serves the loan user that obtains loan to be as high as 8.28 million person through 360 finance. The credence of these users how? Does accord with add up to the loan requirement of financial orgnaization? The wind that can accuse engine through Argus intelligence wind accuses black science and technology to receive the opinion of evenhanded.
360 finance wind accuses chief introduction, argus intelligence wind accuses engine to be comprised by data layer, model layer and politic layer, turn over con model to have nearly 200 at present, analysis of complex relation network already can accomplish 3 seconds at present in data of newer total volume, still can pass through data idea to dig the relation of deeper administrative levels at the same time, differentiate piece a few concealment the con gang with very strong sex. After user of a loan applies for to enter intelligent wind to control a system, the meeting inside the system generates in the light of every user exclusive credit grading, this grading will be this user whether successful loan, how does interest rate price provide referenced basis. 97% of the left and right sides trade and applying for is to adopt a system automatic examine and verify.
The credence that afore-mentioned controller mention is divided, the data that is pop chart of Chinese city credence namely is propped up. And what he mentions " model of careful of letter of big data, AI " wait for black science and technology, allow to forecast and manage to the essence of user credit, also be the core advantage barrier that Lai Yisheng of company of financial science and technology puts. Accuse engine besides Argus intelligence wind outside, own still research and development cosmic magic square (Cosmic Cube) system of price engine, Cloud Bank, thereby compose built the wind that is based on artificial intelligence to control system of whole technological process, can automation implementation is evaluated with credit false instead. Accuse a technology by right of data intelligence wind, 360 finance realized better user risk to distinguish, manage risk, precaution more efficiently thereby con. Up to on December 31, 2018, rate of more than 90 days of exceed the time limit maintains platform user in 0.92% the left and right sides.
Urge credit system construction with financial science and technology
Cheng Xiaobo of director of national information center ever was in Chinese city credence built a summit 2018 express on forum, "As process of social credit system accelerate, urban credence builds working general to be extended ceaselessly on deepness and range, the domain of the evaluation that monitor and limits also subsequently ceaseless and outspread. Urban credence monitors evaluation job to will go up to perfect urban credence to monitor analytic method ceaselessly in existing foundation, optimize iteration to monitor index and evaluation model thereby, evaluate urban credit in time. Evaluate urban credit in time..
Short-term in light of, such as pop chart of credence of city of 360 finance China is onefold kind the evaluation that monitor, although the urban credence of dispute government exposure is evaluated. But will look from the point of view that promotes construction of urban credit system, the analyses city of mining, honor selection of urban credit data is released, the job of the respect such as the guiding of public public opinion, it is very significant.
Chief tells a reporter related 360 finance, "Of technology of financial science and technology promote increasingly, it is to drive urban credit system to build very strong grasper. Hope the sheet of urban credence a list of names posted up of 360 finance can become government, enterprise, public to understand the window of urban credit. We devote oneself to to become have a technology, have feelings, have the company that take on, contribute our force for what system of our country credit builds do one's best " . (Li Jing)
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