"Small small financing difficult, financing is expensive " all along is cosmopolitan difficult problem. Suffer technology of credit of tradition of be confined to and in-house mechanism to wait, the bank is begun there is a risk to cannot accuse all the time since small small business is long-term, operation cost is high, hard the issue that dimensions turns. Be opposite as the country many put forth effort that promotes general benefit finance, tear open Jie Xiaowei credit this " impossible triangle " , more and more the focal point that makes industry attention.
Little small credit of China has experienced the mortgage loan that gives priority to with pawn at first, arrive again later " 3 taste 3 watches " , IPC across examines technology, fail to find to be able to bear the weight of at the same time from beginning to end however " risk, cost, dimensions " the method of 3 targets. Nowadays, with " the wind of data drive accuses a technology " and " intelligence changes pattern of credit plant operation " the 3rd Dai Xiaowei loan that is core the technology brought brand-new solution.
Large number finance is domestic head home the enterprise on the small small loan that uses technology of the 3rd acting small small loan utility of Yu Dajin forehead, pure credence, management sex, already mixed at present even more orgnaization of 50 banks finance builds close cooperation to concern. Specific for, the borrow or lend money that counts financial service greatly just includes owner of He Xiaowei of small small company, individual and industrial and commercial door with self-supporting obtain employment person; Offer a pen for them all amount is larger (250 thousand) , the management sex with longer fixed number of year borrows money.
A few days ago, special interview of 0 one finance and economics author of combination of large number banking holds president Wang Hailong concurrently, he shared what count finance greatly to found mode of chance, business and core technology, discussed solve little small credit " impossible triangle " a kind of feasible means.
Expert of product of senior individual loan, more than 15 years borrow product development and business government experience. Former restful bank " borrow newly " controller of head office product, individual of bank of the another name for Guangdong Province austral former Guangdong is not had assure author of loan business module.
Have successively held the posts of head office of bank of the another name for Guangdong Province austral Guangdong borrow with general manager of department of career of small small banking, the head office is not had assure general manager of loan facilities department;
0 one finance and economics: What is the chance that founds to count finance greatly?
Wang Hailong: Count finance greatly found chance, have two crucial factors, it is " climate " . The country was advocated 2014 " masses innovation, millions of people does poineering work " , also be when those " Internet + " when the concept is the hottest, most igneous concept is Internet finance. On firm sense for, we are not Internet finance, but look new in investor financial domain accumulate contained much development good luck.
2 be " support of the people " . Large number finance is whole poineering group is in what restful bank has nearly 10 years to work together time, it is be assigned personal responsibility for so retail a line the controller of each branches, experienced in long-term partner adjust adequately. When those our dominant " borrow newly " wait for retail innovation product from do not have some processes, focusing accumulated zephyr of operation of substantial development, product to accuse experience on single product.
0 one finance and economics: What is the fixed position that counts finance greatly? Why to choose a such location?
Wang Hailong: The fixed position that counts finance greatly is to serve the company of financial science and technology at the bank, through using technology of the 3rd acting small small loan, the iteration that helps banking finance orgnaization realize ability of little small credit upgrades, aid Li Xiaowei's proprietor of an enterprise to obtain those who come from a bank, the loan with reasonable price, we never had thought we become firm of a banking.
The choice locates the setting that follows us matters so. The bank comes out our group, core ability is the risk government ability of little small credit, conduct financial transactions kind capital carries business we are not good at, because this is in tide of Internet finance Na Bo,we did not choose the mode of P2P, hold to " do not touch capital, do capital fund only " .
Additional, "Aid borrow " this one mode already was proved to be feasible. The restful letter when those is protected (namely the restful Pu Hui nowadays) get capital, repass to embed insurance product will extend with exterior bank collaboration just about of loan. Accordingly we think, the wind that should have core of little small credit only controls capacity, this way goes so that connect.
0 one finance and economics: Is large number finance doing this what advantage is there on one business?
Wang Hailong: We locate is the company of financial science and technology that provides service of technology of little small credit for the bank, the core that does this business is risk government ability, this need is accumulated in the Know-how with financial long-term industry. Group of large number management begins to do from 2009 " borrow newly " , to 1000 scale of 100 million were made before coming out to do poineering work, maintain stable loss late 9 years continuously, gathered relatively giant bad client sample, this is we are the biggest undoubtedly send an advantage first.
The wind of retail credit accuses to be built logically in " small, dispersive " on the foundation, smaller, granularity exceeds amount of odd pen credit fluctuation of small, risk is lower. To the pen all 8000 yuan consumption is borrowed for, the likelihood extends 1 billion yuan can run completely periodic wind accuses a model; But to door all the product of little small credit of 250 thousand, completely periodic wind runs to accuse a model to need to extend below coequal circumstance even more 20 billion yuan, the threshold of cost of this trial and error is very high.
The 3rd is settling the dominant position on capital problem namely. Group of large number management was in in the past public praise of the post in banking, industry and resource are accumulated, decided we talk about collaboration to having congenital advantage with the bank. Be in at present domain of little small credit, the company of financial science and technology with maximum amount cooperates with the bank in counting financial dispute to hold card orgnaization greatly.
0 one finance and economics: Why the help of orgnaization of science and technology of finance of need of business of small small loan of the bank?
Wang Hailong: "Small small financing difficult, financing is expensive " it is a cosmopolitan difficult problem, this explains the bank is facing not little difficulty when developing small small business. Liu Boliu always puts forward " dimensions, cost, risk " of this little small credit " impossible triangle " , namely the risk cannot accuse, operation cost is high, hard dimensions is changed. Orgnaization of almost all finance obtains dimensions, cost, risk at the same time hard these 3 targets.
Canvass comes down, problem germ basically has two sides: It is technical issue firstly. Small small company is faced with generally put current on average to be not worth two years, amount of loan of forms for reporting statistics, odd without finance affairs pen cost of small, operation is advanced problem, this is meant cannot break this without the breakthrough on credit technology " impossible triangle " . A lot of banks ever had made an attempt, heretofore still does not have appropriate solution.
It is mechanism problem secondly. The banking on traditional sense is relatively strict to the assessment mechanism of bad loan, patient spend on the low side, this caused a bank secondhand small to beginning small business supports cautious attitude. Well-known, the effect that small small company suffers economic cycle is bigger, fight risk ability opposite weaker, below the premise that supporting without technology of a case of a physically strong patient running a high fever or suffering from such disorders as stasis of blood in the past, the bank develops small small business is a work that takes pain to not to please.
Accordingly, this at 2 o'clock from go up at all decided a commercial bank hard true scope changes the ground to join credit resource Xiang Xiaowei company,
0 one finance and economics: How does large number finance help financial orgnaization aid Li Xiaowei?
Wang Hailong: We think, in the tide with financial arisen science and technology, specialization division of labor is not reversible trend. Above all, the technology of the 3rd acting small small loan that counts finance greatly examines through a case of a physically strong patient running a high fever or suffering from such disorders as stasis of blood, of credit of effectively broken Jie Xiaowei " impossible triangle " . Next, regard science and technology of finance of a tripartite as the company, bank of help of large number finance is OK low cost is rapid on quantity, join credit resource Xiang Xiaowei's proprietor of an enterprise, and do not need to bear high manpower cost and cost of trial and error in early days. Again, according to the demand of Cooperation Agency, show level to figure the way that finance also exports through pure technology greatly, the credence that coachs the city commercial firm with relatively fragile base of a few small small business establishs independence kind system of small small loan.
Count orgnaization of finance of banking of join of financial one aspect of the matter greatly, offer for its obtain guest, wind to accuse, the technology such as operation serves; Join of other one aspect of the matter is individual and small small company, industrial and commercial door wait for a group with individual operator, help its obtain the loan with reasonable price of traditional banking orgnaization. What we offer customer finally is 5-70 10 thousand differ do not have the product of little small credit that assure without guaranty, extend to small small client directly by the bank loan.
0 one finance and economics: Introduce the core technology of large number finance please?
Wang Hailong: The technology of the 3rd acting small small loan that counts initiate of financial management group greatly, be with " the wind of data drive accuses a technology " for core, combine the operation mode that credit factory automation line works, systematization ground offers the integral solution of little small credit for the bank, solve orgnaization of traditional in the past banking effectively to be faced with when developing small small business " impossible triangle " predicament.
"The risk management methodology of data drive " the business of credit card consumer credit with traceable lesser amount, group of management of large number finance is home succeed first ground general " the wind of data drive accuses a concept " apply in large amount (door all 250 thousand) , on the small small loan of utility of pure credence, management sex, rely on objective data to have risk government.
We overturn in carrying out a process and broke through the old concept of a series of traditional small small business and thinking error. For instance traditional idea thinks little small credit is business loan, the reimbursement ability that company of the financial forms for reporting statistics that sees a company, analysis wants when examine and verify. But be like the train of thought with original follow, having a lot of problems actually is to go be illogical.
We think, in home small small company is mixed small small proprietor of an enterprise does not break up on the whole, want to judge the reimbursement ability of small small company, penetrate essence still sees the credit of individual of proprietor of an enterprise. Set out from company point of view having a lot of news is to look to not be clear about, the information that is individual of proprietor of an enterprise instead sees well relatively easily.
0 one finance and economics: The technical group that counts finance greatly how?
Wang Hailong: Large number finance relies on development department of science and technology and risk government department, established the group of professional scientific research with powerful ability of a seasoned, innovation. Record of formal schooling of above of undergraduate course of technical group staff is amounted to 98.9% , among them record of formal schooling of graduate student above is occupied than nearly 30% , abroad study abroad personnel is occupied than 12% , the group has background of stronger domestic and international learning.
The presiding wind that at present wind of company be put in charge accuses accuses sound of government-owned lacquer Jin, the wind that has even more 20 years accuses to manage experience with business, ever held the position of FICO China to analyse advisory chief inspector to hold innovation concurrently to consult general manager early or late, be in 3 big banks of American (American bank, beautiful banner bank, Magendatong) the vice-president that ever had held the position of risk of capital fund of credit of be assigned personal responsibility for.
And the CTO Wang Jiang of science and technology of IT of be assigned personal responsibility for, the IT that has nearly 20 years and AI domain from course of study and research experience, be good at turning over con research work in image understanding, machine study, finance. Have successively held the posts of business of IBM whole world to seek advice from service ministry (GBS) assistant partner and president of branch of American design collaboration, it is the Jimeilong inside American card the doctor of Master of university software project and robot.
0 one finance and economics: Up to now, large number finance and how many bank reach collaboration, cooperative dimensions how?
Wang Hailong: At present till cooperative bank has many 50, still have consumption additionally financial firm, fiducial orgnaization, insurance device and assure the company, with the financial orgnaization of different type cooperative mode can have a few difference. At present the cooperative dimensions of large number and individual finance orgnaization is in mostly 1 billion above.
0 one finance and economics: How many does the accumulative total of small small loan that counts finance to support a commercial bank to extend greatly have?
Wang Hailong: Up to in October 2018, large number finance through outputting the 3rd generation technology of small small loan serves, commercial bank of accumulative total support extends small small loan evens more 30 billion yuan, help nearly 140 thousand small small clients obtain come from price of banking finance orgnaization to be not had reasonably assure loan.
0 one finance and economics: Is the development program that counts financial future greatly what kind of?
Wang Hailong: The first, the risk government ability that we hope more and more collaboration banks approve large number finance, the risk result that thinks large number gives out is special reliable, stable, and do not need to add the tripartite that looks for to be in charge of for risk result again assures orgnaization.
But this also need time accumulate with the proof, grow gradually as time, we have an user quantity, data bulk is greater, venture performance sends stable, industry to precede the position is more more consolidate. The company uses pure wind to charge the way that the technology exports with many bank that has good cooperation base now, we believe this will become the business pattern with large number the mainest tomorrow.
The 2nd, in collaboration we discover, a few foundations compare fragile bank to hope to get enclothing the solution of whole technological process, and the city trading company with a few bigger dimensions is likely more focusing serves in the form a complete set of certain segment, this is about to beg us besides most the wind of core accuses a technology outside, need is in obtain guest, operation, link waits to make more innovation attempts after borrowing: If be in,obtain customer segment, large number is being passed engrave partly " evaluate a god " APP with " below the line + on the line " means extends a client, in order to satisfy financial orgnaization the demand to C Duan Xiaowei's client.
The 3rd, be located in the company of financial science and technology that serves financial orgnaization surely as, the big finance pure credit that the product that we offerred to the bank in the past serves industry of main focusing Yu Xiaowei, but actually the demand of financial orgnaization is rich diversity, large number is met in focusing the premise of small small domain falls, more exploration are done on product type, with expiring sufficient bank is opposite the demand of different product and service.
