On June 2, combine much home unit to be chosen jointly by banker magazine company " award of innovation of 2018 China finance " , prize-giving ceremony is held in Beijing. Restful bank depends on its remarkable financial innovation ability, "Medium and small businesses asks for letter data to borrow (KYB) " have the honor to win " award of innovation of product of 10 beautiful banking (to public professional work) " , " restful wisdom cast " have the honor to win " award of innovation of product of science and technology of 10 beautiful finance " , site management center is had the honor to win " award of innovation of site of intelligence of 10 beautiful bank " .
Personage of the observation inside course of study expresses, the backside of series bear the palm is the rapid growth of actual strength of science and technology of be in harmony of restful bank close annuity. Especially notable is, among them of bear the palm " medium and small businesses asks for letter data to borrow (KYB) " , it is important to be had in restful bank and even restful group strategical position, it is the innovation with old service of banking of medium and small businesses of restful bank deep ploughing achievement, should not was opposite more all right the profit point of growth of fair transition.
1,
Science and technology of deep ploughing finance, implementation is multidimensional spend innovation
According to introducing, "Medium and small businesses asks for letter data to borrow (KYB) " it is the loan platform of small small company in be aimed at, rely on restful bank to be in the Internet finance, practice experience that supplies the many sided such as service of banking of catenary finance, medium and small businesses, introduce newest finance science and technology, and the big data of restful group and the ability that sign a letter, implementation experiences the innovation that goes up with sale means in commercial pattern, products plan, client.
On commercial pattern, KYB realizes the application on the line and system to be examined and approve automatically through method of science and technology. The client need not offer the trival data that give a letter to be able to apply for loan; Client manager need not go to survey of look forward to for many times; Bank implementation relies on big data, model to undertake systematic automation is examined and approve, need not undertake checkup to all sorts of data again artificially, promote exercise efficiency greatly.
On product innovation, forms for reporting statistics of finance affairs of KYB de-emphasis company and running water are behaved, and the true, valuable business that more attention gets through tripartite channel manages data. Use data to build several manage model, judge the probability of break a contact of the enterprise, award a letter to undertake the risk is judged to the client thereby.
On client experience, KYB seeks acme experience of the client, invite a client need not client manager guidance also can complete application independently. Superintending permission range inside, let a client face ark to be able to be finished only open an account, a series of movements such as face autograph, loan.
On sale means, KYB overturned the sale means that traditional bank is core with client manager, and the much channel that carries integrated finance, capacity of sale of market of group of have the aid of is right client drainage, put in with advertisement, public date is revealed wait for means, attract a client to apply for independently.
2,
Go up line peep of effect of one the year's harvest, into prospective profit point of growth
Through a year the innovation of time develops, KYB is in nowadays the respect such as product, model, setting, system already showed result first, obtained series positive result.
Product side, this platform already went up line taxes is borrowed, bill is borrowed, pay data to borrow, smooth hot season is borrowed and medicine is current borrow wait for much money product, can have the line on more product in succession next; Model respect, this platform is built for core compose with blacklist of ministry of current data, setting data, inside and outside change on whole technological process, line, intelligence turns a model group, make driving wind accuse a kernel. Already built standardization model at present 3, current model 2, setting model 2; Setting respect, this platform encircles deep ploughing around the industrial catenary of core business, zoology, walk along an industry sturdily to change, platform is changed, the way that batch changes development, compose builds as new as core business strategic collaboration concern, make medium and small businesses benign modes of life and relation to their environment. Predicting annual makes 10 setting pattern, current already be born 2; Systematic respect, this platform holds to " systematize, custom-built change, Internet is changed " direction, accelerate iteration and aggrandizement experience, the automation on the line examines and approve average effectiveness for a given period of time under 60 seconds, realize an a client, interface, operation, whole journey to be on the move.
Xie Yonglin of restful bank president expresses, be opposite as this one of 4 old executive way of fair transition, KYB should be made exercise pattern is changed on the line that signs letter platform to be core with small company data, "This is future to general profit point of growth, also be we send success a magic weapon " .
