On November 16, forum is divided to go up in finance of intelligence of 2017 Baidu world, the AB that agricultural bank announces to Baidu finance and agricultural bank collaboration are rolled out borrows a product (A represents an Agriculture Bank, b represents Baidu) go up formally line, completed professional work of brushstroke loan 10:10 in the morning that day. To this, the personage inside banking expresses, this is " old system plays gave new pattern " , "Weigh a pound quite. "Weigh a pound quite..
Shed Club understanding according to Qing Dynasty, AB borrows money should be the consumptive banking product that rolls out by coact of tycoon of big travel and 4 Internet inside course of study head. Since this year, the open of tycoon of a few big Internet such as BATJ hand in hand the pace of traditional banking orgnaization, sign strategic cooperation agreement with 4 big in succession, among them ant gold is taken with the Construction Bank, baidu finance and Agriculture Bank, tecent and in row, beijing east waited to reach strategic collaboration all right with labour, douji of cooperative both sides hopes the advantage is complementary, endow with can traditional banking with financial science and technology, carry out general benefit finance thereby.
Nowadays, baidu finance and Agriculture Bank take the lead in rolling out be born product, go in front row in the collaboration of Internet tycoon and traditional banking orgnaization, also let us be able to peep Internet + the tremendous imagination space of traditional banking. For this, qing Dynasty sheds Club to consumed financial chief Huang Shuang to have a special report to Baidu finance.
Huang Shuang joined Baidu in June 2016, assume Baidu vice president, responsible Baidu finance serves a cause group the consumptive banking business of the group (FSG) . Before walking on new Baidu, huang Shuang is land gold place hold appoint, there is Capital One, broken bits to hit a bank to wait to be experienced from course of study more before this.
"Ourselves also did not think of AB is borrowed can go up so quickly line " , huang Shuang tells clear to shed Club, in her 20 years from already check, two orgnaizations of so general quantity cooperate all-aroundly, so tall efficiency is very infrequent, "We talked with the Agriculture Bank a series of collaboration, do not have very high expectation cost actually to time of business be born at the beginning, did not think of AB is borrowed 100 days are made an appointment with to begin with Agriculture Bank autograph in us inside measured. Did not think of AB is borrowed 100 days are made an appointment with to begin with Agriculture Bank autograph in us inside measured..
AB is borrowed is the product of the first be born after Baidu finance and agricultural bank sign strategic cooperation agreement, face an Agriculture Bank to block an user only at present, deal with inside Agriculture Bank site. At present Baidu finance reachs an Agriculture Bank and did not disclose detail of too much product, but Huang Shuang tells clear to shed Club, "This is product of a credit, loan cycle and forehead are spent more agile, but not be little small credit absolutely, with pure on-line small credit also has distinction. With pure on-line small credit also has distinction..
All the time since, no matter be Internet banking firm, still be Internet discharge platform, cooperating in what consume financial domain with traditional banking orgnaization is to aid commonly borrow mode, complete products plan by Internet company namely, obtain guest, wind to accuse, whole technological process waits after borrowing, take risk oneself, financial orgnaization just becomes simple capital to offer square. But the collaboration of this Baidu finance and Agriculture Bank criterion property differs completely.
Huang Shuang discloses, in the process that borrows generation in AB, the Agriculture Bank shared a risk directly decision-making with products plan. "Its casing decided the suitable scope of the product and target crowd, also set a few moving technological process of this product, can calculate Baidu finance to be an Agriculture Bank actually custom-built product of banking of a consumption. Can calculate Baidu finance to be an Agriculture Bank actually custom-built product of banking of a consumption..
How to go understanding this custom-built? "When you talk about a custom-built product, actually itself is talking namely (risk decision-making, products plan) these dimension are spent. To Baidu finance and Agriculture Bank, we are the cooperation that both sides builds deepness in all. Likely at the beginning our label is a few morer, slowly their label may be a few morer, but it is to build certainly can accept data in a both sides over protection and the foundation of the environment that build a model. But it is to build certainly can accept data in a both sides over protection and the foundation of the environment that build a model..
Huang Shuang says frankly, in the process that cooperates with the Agriculture Bank, also encounter many difficulty. "The way that seeks a person because of us, touch the means that amounts to a person, way that evaluates a person, with traditional banking orgnaization not quite same, their inherent product evaluates the label that uses us unlikelily also to judge a person. Say this is progressively so to neat process " , huang Shuang tells clear to shed Club, take AB to borrow a product for, very may much at the beginning person can be not valued, but final this product arranges agile ground, special not easy, "Can say both sides took out the greatest good faith. "Can say both sides took out the greatest good faith..
Shed Club understanding according to Qing Dynasty, at present Baidu finance had built associated lab in all with the Agriculture Bank, the soft hardware that completes first phase project of cerebra of Agriculture Bank finance is built reach deploy, predict to financial cerebra first phase is finished to be in by this year of the lab check and accept. In addition, double Founder still includes intelligent palm silver in the project of the butt joint, trade turn over con, credence to turn over con, essence to allow classify of sale, credence, some already try out of the line on small lot, for instance intelligent palm brushs a face silver-coloredly to turn Zhang function.
The collaboration with the Agriculture Bank is a fragment of a highly treasured relic in the old territory that Baidu finance endows with science and technology of can traditional banking only. Forum is divided to go up in the finance that day, baidu finance announces open intelligence consumes financial platform. In the understanding of Baidu finance, intelligent finance, namely backstage emphasizes digitlization propping up, be based on big data and compose of machine study technology to build financial brain; Be in in the output that the stage emphasizes standardizing finance to serve; Behave downstage accuse for wind of sale of operation of user picture, intelligence, intelligence, intelligence, intelligence is cast consider and the business module such as intelligent customer service.
"What this platform shows actually is the artificial intelligence application in financial setting, the foundation that can regard as zoology to cooperate " , huang Shuang tells clear to shed Club, "It can be the output of science and technology of bullion be in harmony, also can be the collaboration of business certain chain or entire chain. Below this platform, the partner can be setting already square, also can be capital square. Also can be capital square..
And the strategic collaboration that follows an Agriculture Bank is just about in the category of platform of finance of this intelligence consumption. Occupy Huang Shuang to divulge, besides agricultural bank, at present Baidu finance still follows Nanjing bank, medium the letter bank, 100 letters bank, finance that enrol couplet, delightful borrow wait for the orgnaization such as firm of banking of the bank, consumption that hold a card, and the setting below a few lines just reached collaboration.
"The tension that I feel today's practice has not revealed this platform adequately far " , huang Shuang thinks, zoology changes the optimal way that is artificial intelligence development, "Because of participation person more, have the opportunity that more machine learns, the technology learns Xi Zhongcai to be able to spot an user better in ceaseless practice only. The technology learns Xi Zhongcai to be able to spot an user better in ceaseless practice only..
On the other hand, huang Shuang also thinks, traditional banking orgnaization also needs such intelligence to consume financial platform very much. Above all, the rapid development of Internet finance forces traditional bank and financial orgnaization learn ceaselessly, next, at present whole market and industry had accepted a few mode of Internet finance, but traditional orgnaization because all sorts of limitation, cannot immediately the market on layout line, and the platform of intelligent consumption finance of Baidu gave these orgnaizations to offer an opportunity just about.
To Baidu finance, intelligence consumes finance to also can feed back the artificial intelligence practice of Baidu well. Huang Shuang the citing of Zhang order system with Baidu, "In the past all the year round we are doing a thing, the get through of Zhang order system that is a Baidu " , huang Shuang tells clear to shed Club, "The group that runs Baidu Zhang number is in FSG, what we basically attend a meeting two is the first is account upgrades meeting, the 2nd ability is intelligence obtains a guest to meet "
All the time since the outside thinks Baidu does not have true Zhang order system, even if having also is weak finance attribute. But through intelligence consumptive finance platform received the Central Bank to collect letter data, or after the data of a lot of cooperative finance orgnaizations, the Internet behavior data with as it happens and original Baidu is formed complementary, make the data of the user more overall and stereo, in other words, machine identifying user will more accurate.
"At present this intelligence consumes financial platform to just just started, future develops what kind of ourselves also very expect " , interviewing end Huang Shuang to emphasize, "Hope we can hold to all the time first heart, use technical ode to be able to consume finance truly, become the lead person of intelligent finance. Become the lead person of intelligent finance..
