Expend finance as domestic offset from severe superintend, big data, artificial intelligence, cloud is calculated and the development of the technology such as area piece catenary, intelligent wind accuses to make the tide that cannot resist and development trend. Preterhuman card hopes to think in hoping gold takes card of the inferior that reach a banner in business of service of capital of domestic consumption finance, small small finance, intelligent wind accused to reframe to consume financial industry, can say to be affected deeply and change to consume finance.
Group data and wind of finance of systematic tradition consumption accuse confine
Before although have special department,the wind of orgnaization of traditional spending finance accuses, but professional still finite. Data also changes for the fragment more, main data is the client fills out a form data of referred individual financial condition (far those who do not have current big data is multidimensional spend stereo examine and verify) , wind accuses body strung to also did not form professional and expert system. Urge debit side, basically be tactics of sea of faces, credit card of a lot of commercial banks or consumptive banking firm want accreditation a large number of tripartite is urged receive an orgnaization, reality is urged receive personnel quality the good and bad are intermingled, bring about force to urge close etc all sorts of societies are contradictory and ceaseless, endanger social stability and financial security. However, after big data and intelligent wind accuse a times to come, everything changed.
How to understand intelligent wind to accuse?
PINTEC presiding wind accuses Guan Tong sea to point out, in intelligent consumption finance " intelligence " , it is to point to rely on big data, the technology such as artificial intelligence, implementation is changed from the intelligence that obtains guest, products plan, wind to accuse price, loan to wait for credit whole technological process to the management after borrowing, "Intelligence " be being reflected mediumly in consumptive banking business should be " carry end " .
And the science and technology that be the same as aegis points out, before intelligent wind accuses pair of finance orgnaizations in before orgnaization of finance of tiring-room, blame in back end undertakes weighing model, form the ecosystem that the systematize after in before borrowing, be being borrowed, be being borrowed and full cycle change. If with more in light of refined setting, normally solution forms sale government, turn over the con, admittance before borrowing, client to give the letter, government after borrowing each link.
The intelligence that intelligent wind accuses wins a customer
Of traditional spending finance obtain a guest to rely on the channel below the line commonly or the advertisement on partial line, and the arrival that intelligent wind accuses aids force to consume financial orgnaization to realize intelligent essence to win a customer definitely.
How to have intelligence to obtain the guest's capability, rely on two channel commonly. It is to consume the intelligent wind that compose of financial firm oneself builds to control a system; 2 it is orgnaization of tripartite service. For instance country does poineering work board science and technology of big data finance the first Kang Qi share, established laboratory of science and technology of big data finance, the intelligent solution that carries intelligence to obtain sale of guest, intelligence and intelligent wind to accuse to wait to the orgnaization such as bank, insurance and consumptive finance, provide service of report of service of service of B2B2C finance science and technology, big data sale and industry credit.
Similar in still having, hope gold is taken. As home outstanding financial science and technology serves platform, hope gold is taken in depend on obtain in low cost guest, multidimensional the advantage that spends big data application, wind to accuse the respect such as the technology to precipitate for years, one aspect of the matter serves at financial consumer, offer general benefit finance to serve for individual and small small company; Service of other one aspect of the matter is mixed at orgnaization of of all kinds finance partner, offer intelligence to obtain wind of guest, big data to accuse for its, the solution such as intelligent system.
And how does intelligent wind accuse to realize intelligence to obtain guest and essence to follow sale? Generally speaking, big data produces main effect, occupy polymerization through number (data group exceeds calculate a center) data of get through trade, the data analysis that undertakes major next and directional push send.
The before borrowing admittance that intelligent wind accuses and turn over con
Baidu is in early the portion was rolled out in June 2017 oppose con system - huge rock, in the link before borrowing, its turn over con identity to identify included 3 shares: Equipment wind accuses, alive character of body identifying, OCR identifies. Choose through this three-layer can prevent effectively accuse bogus to risk application, false data. The link in borrowing, prevent through risk list, bull accuse, correlation is black produce, cooperate attestation of accredit of cent of situation nucleus check, credence, user to wait, effective intercept finance arises false.
And in the examine and verify before the advantage that hopes gold takes preterhuman card to develop data zephyr adequately to accuse undertakes borrowing and be on guard con. Data side, hope gold takes preterhuman card to be on old industry experience and the base that seize precipitation from know exactly about sth in, initial stage holds water to undertake wind accuses in the company while the system is built and the infrastructure such as the line on decision-making engine is built, begin to ask for company of letter company, tripartite data to undertake is opposite receive and be assessmented with tens of homes namely. Data is caught marry outside data to introduce, mining of data storage, data, model application, careful change management to wait, major rigorous fulfil in each pace, the dependability that with ensuring the accuracy of data and model apply.
Wind dominates a field, director group member is average from job time 10 years of above, have experience of examine and verify of capital fund of credit of one billion two hundred and fifteen million seven hundred and fifty-two thousand one hundred and ninety-two class, the wind of intelligence of whole technological process of own research and development controls a system " hunt hawk " famed industry. It is a foundation with having big data oneself, 1000 dimension occupy a collection of illustrative plates of shirt-sleeve and complex relation, undertake to loan user comprehensive stereograph resembles, raise a product to match to essence of life is spent definitely and turn over con efficiency, integrate system of decision-making engine of American Sparkling Logic, have whole technological process multidimensional spend a risk to prevent accuse, prevent the risk accuse to fulfil in every link.
The client that intelligent wind charges gives a letter
The client here awards a letter to include risk norm and price management. PINTEC presiding wind accuses Guan Tong sea to point out, the leasehold forehead of traditional banking orgnaization spends management basically is referenced client every months should return debt and its income than (" indebted than " ) , intelligent consumption finance is met the guest group in group, pass couple multidimensional risk model and indebted than, income model, the technology that makes optimization is decision-making.
And price management field, intelligent consumption finance is OK a lot of tests are done on interest rate price, assure can spend optimal value and best specified amount, best deadline undertakes matching, give the most likely customer again group. Traditional banking orgnaization is very rare " the price that has differring according to different risk " this kind of operation, all products unite a price.
The after borrowing government that intelligent wind accuses
Well-known, the management after borrowing is whole intelligence wind the very important one step in dominating closed circuit, urge with exceed the time limit again among them close for the biggest pain spot. A few large banks and consumptive finance orgnaization wanted in the past " make offerings to " the amount is urged bulkily control a group, some groups strength passes 1000, urging the main measure that receive is to rely on to call, if cost is exorbitant,brought, a lot of problem such as aggravate society contradiction.
And the intelligent wind that relies on the technology such as artificial intelligence accused to solve this one difficult problem effectively. The intelligent wind that is the same as aegis science and technology for instance accuses a system to use intelligent speech recognition, speech synthesis, semantic understanding and alternant word art to form high intelligence to change jointly, the intelligence that essence of life turns definitely is urged accept a product, concentration solves traditional and artificial mode to fall, close the issue such as compasses, lawful, efficiency. Especially " break couplet " client, also can be touched through the method of big data correlation amount to, provide a basis to intervene artificially next.
