Calm accuses a president Pan Bao Feng
Just go 2018, financial science and technology continues to advance triumphantly, internet tycoon eagerly horse race encircles the ground. The data of panoramic company shows Mai Ken stannum, the financial orgnaization of nearly 80% already entered field of financial science and technology. Meanwhile, global venture capital threw industry of financial science and technology 2018 30.8 billion dollar, and before 7 years 2011, this data is 1.8 billion dollar only.
Undeniable, financial science and technology brought brand-new user experience for practitioner and consumer. Shift an industry to the net for, the union of science and technology and finance also brings new development opportunity for the industry. For example finance of calm of firm of banking of science and technology, new structure is superintended to fall in the industry, in the setting application that blends in science and technology financial industry condition, severe control a venture, the group that for traditional banking the service does not cover offers general benefit finance to serve.
The personage inside course of study expresses, when in the industry the risk goes out clear, risk canal accuses to become the lifeline of financial science and technology already, the platform of financial science and technology that has zephyr of abundant technology actual strength to control capacity reveals a more powerful delayed effect.
Science and technology is endowed with can, severe keep watch accuse to close
Nowadays, as Internet technology gain ground with application, without the person can the network footmark oneself and historical data are complete efface. And these footmark and data, formed an individual " the report that sign a letter " .
It is with calm finance exemple, through borrower accredit, dimension spends collection data to include even " the short message is recorded " " give an information " " close grow when machine reach frequency " " gregarious a collection of illustrative plates " " lawyer kind connection frequency " " brand loyalty is spent " wait for information. Borrower cannot lie before big data.
Calm finance accuses systematic Zhi Zifeng to accuse to go up formally in his wind before the line, took company staff to be done inside measure, the tall canal Ding Zong that is in charge of grooming " suffer " fall into disuse. Calm finance wind accuses chief inspector king explanation, "Because frequency of Ding Zong bussiness trip is exorbitant, be maintained to be by big data ' living place is not stable ' , hit the target the negative regulation that Zhi Zifeng accuses, although he may do not have a flaw in other respect, but the target guest that also is not us group, act on ' would rather the fault is killed, cannot let off ' principle, ding Zong did not accuse examine and verify finally through wind. Ding Zong did not accuse examine and verify finally through wind..
Zhi Zifeng controls a system is actually multidimensional spend oppose con defense system, apply to consumption to borrow, credit, business is borrowed, the car is borrowed wait for many business setting, offer the credit grading of standardization for the user, before collect is borrowed, examine and approve, the monitoring in borrowing, management after borrowing is an organic whole, use distributed framework, effectively will " con person " close the door on.
Specific for, zhi Zifeng accuses a system to pass correlation of segregation of identity identifying system, blacklist, con gang the 4 core element such as monitoring of a collection of illustrative plates, unusual charge, multidimensional degree, all-around the ground evaluates user information, identify an orgnaization effectively to do sth for sb, black produce bogus of data, identity to risk and false information data, make the range that accuses with intelligent wind false instead wider, exacter.
In addition, the big data that Zhi Zifeng dominates asks for a letter to evaluate a system to carry the many dimension such as activity of information, negative record, account, gregarious evaluation and stability to spend through basic message, shift, to the behavior of borrower the habit undertakes the collect of all-around, much angle, the much dimension that builds specific aim at the same time occupies a model, more essence of life undertakes credit is evaluated definitely.
King express, at present calm finance accuses model data variable through exceeding 3000 wind, implementation day all is handled exceed 7000 loan application, be equivalent to the workload of 150 auditors; The loan of 95% files 0 artificial interpose and result of second class feedback.
Zhi Zifeng accuses to be able to be accomplished, be aimed at " high grade " client, provide fast and fluent application experience; Be aimed at high risk client, the wind that executes more severe exacting accuses strategy, avoid con element exploit an advantage.
Through " the country is new and high technical company " maintain
Calm finance held water 2014, basically be engaged in Internet leasehold information matchs business, current, user number exceeds 2.6 million, accumulative total trades amount exceeds 45 billion yuan. On December 17, 2018, calm finance is passed " the country is new and high technical company " maintain.
Should be being maintained is to be inside the domain of new and high technology that national emphasis supports, undertake study development and technical achievement are changed to lasting, form company core own intellectual property, begin those who produce the business of management activity to approbate for the foundation with this, by Wu of tax of ministry of national science and technology, Ministry of finance, state total bureau is managed and supervise.
As we have learned, the enterprise hands over declare material, the technologist that has advanced title by 5 at least and financial expert undertake examine and verify.
Regard finance of a science and technology as the company, since calm finance holds water oneself, hold to science and technology innovation, value own intellectual property, and the education to technical qualified personnel.
Calm finance develops a center at establishing research 2014, at present place of this center office covers an area of 1000 much square metre, 2/3 what research and development, wind accuses personnel to hold employee total number. In technical group, include a large number of coming from in inscriptions on bones or tortoise shells of the Shang Dynasty, A, the well-known company such as the Tie Ke that surpass the door and average from employment qualifications and record of service the personage of domain of senior information safety of 8 years of above.
Fu Yinhai of calm finance CTO expresses, receive go down, calm finance will continue to enlarge investment of research and development, rely on college resource, build lab of AI lab, area piece catenary, in coordination Hangzhou base advances catenary of AI, area piece to accuse in wind, safety of client picture, system, intelligence is cast consider those who wait for a domain to apply, promote calm finance health steady progress.
The road of open transition: Channel sinks, make setting of new-style consumption finance
In the industry " 3 fall " and severe below superintended big setting, besides practice hard exercise to benefit the internal organs, strengthen science and technology besides innovation, channel sinks and make setting of new-style consumption finance become another La Hai.
The holding company calm of calm finance accuses active position is new retail board piece, city of the calm below the banner is new retail it is with Internet rely on, wait for advanced technique method through using finance of big data, intelligence, to the supply of self-supporting commodity and brand consumer goods catenary production, storage deserves to send, the support after selling setting, carry out undertakes upgrading transforming, weigh structure of model industry condition and ecology group, the lower part of the body to the service on the line, line check and travel of inpour of modern other people are optimized, thereby meaning transforming structure of user character life, for the society creation character lives.
In the program that dominates a president Pan Bao Feng in calm, prospective calm city will provide a kind of way of life, include a book, all sorts of consumption setting such as cafe, new retail and hypostatic store, the product that compares by right of tall sex price attracts a youth to lie fallow to here, recreation, charge.
On January 18, 2019, calm city the first integrated storefront be born Xi'an. Choose Xi'an, pan Baofeng says frankly, the competition of city of line of just a little already tended turn white-hot, in wanting crack, live can open up is new " battlefield " , "We very the progress that values the city of ministry of Chinese and Western such as Xi'an, there are a lot of modern youths over there, they are happy to accept new thing, also need new like city of a gleam of way of life. Additional, from the point of superintendency level, xi'an also gave us more development spaces. Xi'an also gave us more development spaces..
Calm accuses at present accumulative total registers capital 720 million yuan, with " Internet + new retail + finance + science and technology " leave group of unifinication living modes of life and relation to their environment to direct compose builds the line on the line, the whole new way of life that advocates healthy and active, youthful energy.
Mai Ken stannum points out in a report about financial science and technology, what differ with Euramerican country is, company of China's most successful financial science and technology often is the financial ecosystem that is based on a tycoon to build and development expands, consumer amid has taller participation to spend.
Pan Baofeng says, calm accuses a future to also want a line go up, the walking on two legs below the line, entity and finance complement each other, walk out of industrial the way that changes new-style consumption setting.
(the article is not represented " finance and economics " footing, investment wants discretion)
