Already passed 2019 half, industry of this half an year rectifies and reform turn one's head course, have Bei be pregnant, on one hand cruel thunder incident still is in happen, hit lender confidence; On the other hand, put on record the exposure of pilot file, also make whole industry heavy light hope and dawn.
To platform, risk management still is the job with the mainest instantly, below the situation that superintends in penetrable type, how safety spends key period, immediate decision platform joins the road of plan development in the future. How be on guard effectively risk, dot be in harmony thinks cannot onefold final conclusion, and should think from many sided, put canal, letter to wrap around especially zephyr accuses 3 drive carriage to whether reach the designated position.
The bank puts a canal to let capital flow to frequently clear
Be in what released in August 2016 early " activity of business of orgnaization of leasehold message medium manages the network temporary measure " in, the bank puts a canal to be labelled to add up to compasses doorsill and rigid index, gain ground as what lender teachs, the bank puts a valve is the consensus that platform of each other gold agrees one of important levels of compasses level to already made loan group, put those who provide white list to come on stage in succession especially, cause trade more inside take seriously extensively.
Up to now, share 45 banks financing to put tubal system to be evaluated through association of each other gold, among them 34 banks announce butt joint net to borrow platform information, 11 banks have not have the rest exposure. And, the bank that put a valve also can receive the circumstance of platform to replace the news that put a valve in real time according to be opposite, register exposure to serve platform in countrywide Internet finance (abbreviation " the letter wraps around platform " ) aspirant travel is updated. According to statistic of center of Internet finance news, since May 2019, 5 banks replace the news that put a valve, the banner before holding a gram in the palm for 100 letters bank, Langfang bank, another name for Hubei province respectively farming commercial firm, Xiamen farming commercial firm and big talk are combined farming commercial firm.
It is reported, after dot be in harmony was made an appointment with with autograph of 100 letters bank in September 2018, used a half-moon time to reach switch of the system that put a valve merely a row white list the first batch 100 letters bank, and the line on implementation total volume. This reflected dot be in harmony to treat a bank to put heavy visual range of the canal to spend not only, also revealed the driving actual strength of group of the technology that light fuse.
After the line on the system that put a valve, the user capital of platform and platform own reserves divide Zhang government by the bank, lender, borrower and platform have independent account, set independence trade password. Metropolis by puts the reimbursement action that lender is choosing all lend behavior on platform of be in harmony and borrower tubal bank transfer, realize the complete segregation of platform and user capital, put an end to the possibility of capital of platform lay a finger on already, make sure capital flow direction can be checked clearly again.
Whole letter wraps around make platform transparent and visible
Same, information exposure is borrowed as the net " 1+3 " the main component in superintendency system, also become superintendency orgnaization and lender to send the key domain of attention more.
Chief expresses related dot be in harmony, regard message medium as platform, information exposure must be accomplished comprehensive, true, objective, this is the key that proves platform is transparent, also be the important step that safeguard lend user closes right increase each.
It is in order to light fuse exemple, be opposite actively according to superintendency requirement not only more than 10 content such as information of letter of data of the constituent framework of platform, operation, intelligence, organization, finance affairs and examine and verify had detailed exposure, still wrap around in the letter on platform fair show platform each message is right receive project information board piece, solid times sends, exposure project information, the data of financing project key that lender can inquire to the net borrows an orgnaization to offer centrally through publishing platform (already desensitization) , include utility of time limit of loan amount, loan, loan, year change interest rate, borrower income of basic message, borrower and indebted circumstance.
Follow-up, of the data system that builds as superintendency orgnaization and information security system progressively and perfect, dot be in harmony still will cooperate actively, rich oneself discloses content, determined station is in safeguard lender rights and interests, diaphaneity, combine compasses front line, in stimulative industry health development continues to produce openly guiding effect.
The technology is added hold make a risk comprehensive can accuse
Financial core is wind accuses, this is the general acknowledge of all banking industry, professional wind accuses a system to be made the same score to each other gold the stage also is crucial, and ceaseless and perfect wind controls level and capacity is a protracted battle more.
Current, build through compose " big data drive + the client is a center " wind controls a system, decorate 4 large models in politic system, AI model system, monitoring system, data and engine add hold below, the wind that lights fuse accuses systematic get through, enclothe before borrowing, in borrowing, after borrowing completely leasehold cycle, the con risk to borrower, pure credence kind risk and mix kind of risk to undertake assessment reaching dogging for a long time. Linkage of the data after before the basis is borrowed, be being borrowed, update in time inside, exterior blacklist, adjust turn over con label and feature. In the meantime, dot be in harmony still grinds with the law courtyard autograph is made an appointment with, extend the range that big data wind accuses further, the effective conformity that realizes information and make full use of, raise platform whole risk to prevent control a standard.
According to data of tripartite platform, already dropped in the platform amount of operation currently 1000 the following, but in the personage inside course of study beforehand below appraise, industry of gold of final each other will remain 100 or so only, this also or will make the amount that puts on record finally. Below the superintendency layer, joint efforts from user of orgnaization of course of study and lend, the job of radically reform still will continue to step down. Platform wants to get long evolution, necessary comply with superintendency requirement, strictly observe a risk to dominate a bottom line, offer for each lender transparent, add up to the lend environment of compasses, carry ceaselessly to experience the industry actor of harships energy.
