One, good luck and challenge coexist
Consuming financial industry will still be an establish the industry of a in general benefit finance rapid development. In recent years, comply with economic transition to develop a tendency, get need inside enlarge, hurried is encouraged of consumptive policy continuously, suffer consumption population structure is optimized and innovation of dimensions growth, science and technology drives general benefit finance to be begun extensively wait for an element to affect, more and more long end guests group those who share consumptive finance is convenient service, market of domestic consumer credit rises quickly. Since 2013, financial orgnaization consumer credit (eliminate room is borrowed) maintain 20% above year all grow; 2017, finance of Chinese Internet consumption is put borrowing dimensions is advance rapidly more; In the meantime, business of orgnaization of finance of the consumption that hold a card also grows rapid. Although experienced rapid development, but the industry that we think this still is one is having tremendous progress perspective. Professional orgnaization is forecasted related, predict 2020, dimensions of our country short-term consumer credit will be close to 10 trillion yuan, the market space that consumes finance is very vast; In addition, up to 2017 end, gross of our country consumer credit holds GDP proportion for 12.32% , with the western country such as the United States photograph comparing still has greater progress space.
The wide application of financial science and technology aids force to consume finance to innovate steady progress. From the point of current development trend, internet innovates and with quick pay, the innovation of financial science and technology that catenary of cloud computation, big data, artificial intelligence, area piece is a delegate applies confluence, follow efficient base to consumed the steady progress of financial business to establish spirit, sufficient play essence allows the advantage of sale, the consumptive finance that provides quicker, advantage to the client serves; In the meantime, the long end customer that through intelligent logic real time judgement drops consumptive finance effectively to basically serve group be in con, in all the debt, development handicap that asks for the respect such as the letter, dissolve credit business risk effectively.
But meanwhile, we also see, development of future of consumptive banking industry still faces bigger challenge.
The secret worry that is rapid development bequeath still is in. Above all, black produce Internet of cheat of collude of con, inside and outside, part to consume financial platform to be not rational usury poor, force is urged close wait for a problem to still be waited for solve as soon as possible; Next, by the fast dilate of industry assets dimensions, high interest rate and active industry financing bad Zhang of industry of behavior place hidden is likely below strong superintendency environment expose quickly; Again, the industry goes after short-term profit to cause low income group excessive and leasehold, bull is leasehold, naked borrowed issue, and assets exceeds reveal all the details of carry out, platform to assure the drum that mode place brings spreads beautiful effect, even Pang fraud is shown stage by stage likely, run road incident follow-up or will still appear. Accordingly, market standardization develops a problem to still be solved urgently.
2 it is strong superintend raised taller requirement. A series of directive opinions that allot according to the branch is being superintended since 2017 and superintendency file, especially " rectify about the standard " cash is borrowed " the announcement of business " come on stage, can see superintendency orgnaization fixes a price from aptitude of management main body, loan negotiable securities of capital fund of limitation of multiple of lever of mode of collaboration of level, business, capital, utility, credit is changed waited for each respect to raise rigidder standard and requirement. This shows superintendency branch governs the determination that consolidates Internet finance order. Accordingly, this process also is the process that the industry shuffles, adding up to compasses and transition to be sure is next development keys.
3 it is to eliminate shoulder heavy responsibilities of industry pain spot. Because consume financial industry to have,grow end without guaranty, fast loan, crowd amount of dispersive, loan slants small wait for a characteristic, bring about industry development to be faced with 3 big pain spot, namely client risk identifies ability the covering power that sign a letter is finite, limited do not fall high with house of the cost that win a customer. Want to solve these pain spot, relying on mode of traditional banking operation only is far insufficient, in height perpendicular the consumptive money market that influence, the complex system that needs finance of draw together of one collar for a horse, IT and data to wait for a technology inside serves as prop up, fast essence digs a client definitely, risk of fast and effective keep within limits. Accordingly, accurate had held big data, dynamic adjustable to award a letter to the forehead is spent and fix a price mechanism, it is location of power of development of core of Internet consumption finance.
4 it is to differ dissimilation to manage imperative. Accompany what consume financial industry in recent years to warm up, catenary of consumptive banking industry shares principal part more diversity, bank, consumption is financial firm, small borrow platform of setting of company, Internet, tripartite platform to wait to pass self-supporting, combination to borrow in succession, aid borrow wait for means to join consumptive finance war situation. Each capital invests an orgnaization to also invest a large number of capital, in succession layout, industry competition is intense with each passing day. Additional, the tie of capital also rises to restrict action certainly to business development. Relative to at the bank character, the loan fund that consumes financial firm basically is to count short-term loan of financial orgnaization a person of same business and borrow or lend money at present, relative cost is higher. How platform of setting of Internet of press close to enters the mouth, strengthen peaceful stage to just cooperate; How balancing good capital cost, risk cost is to ensure the key of gain. In the meantime, in future strong below superintended environment, how to use oneself resource integratedly, form difference to change competitive dominant position, implementation characteristic is changed manage will become each orgnaization of the get victory in competing " a magic weapon " .
On put together, we think to consume financial industry to still lie the where the wind and the waves are highest of financial industry, develop prospect still capacious; But industry development cycle is shown already, large interest and excessive development period had ended, development returns to reason. Future promotes innovation the service only level, awe-stricken risk, ensure close compasses, serve finance of good general benefit, insist to differ dissimilation, specialization development, ability goes more long-termly in consumptive banking industry.
2, the way that the Shang Cheng below new banking modes of life and relation to their environment develops
Regard consumption of Xin Jin that hold a card as financial orgnaization, shang Cheng consumes financial Inc. (the following abbreviation " Shang Cheng " ) at the beginning of holding water oneself, made clear namely " innovation, dovish, benefit, quality " management concept, hold to setting of travel of business of general benefit finance, deep ploughing, hold to " convenient and mobile interconnection, safe " poor dissimilation fixed position, join client needs sue for peace to serve, regard consumption as the person be built in all of financial modes of life and relation to their environment, be dedicated to becoming one furniture to have innovation mind, the market banner, client is satisfactory, the outstanding brand that assumes social responsibility consumes financial orgnaization.
1, finance of benefit of general of carry out travel, deep ploughing setting consumes finance
As brand of rate first travel is owned in online travel market, also be Shang Cheng at the same time of main shareholder carry Cheng, have setting of high grade consumption and technical advantage. Shang Cheng is nodded to be cut with this, develop to consume finance for the setting of core with business travel energetically, support carries Cheng to consume financial business development. In the meantime, shang Cheng is carried out " double brand " the strategy, accelerate compose to build self-supporting brand system, make the management distinguishing feature of poor dissimilation, build the built-in system that carry Cheng in all on one hand namely " flower borrowing an interest " " go off with is spent " product system; Build self-supporting system product on the other hand " hold the post of E to borrow " and " hold the post of E to pay " . Shang Cheng aids force to carry Cheng, dedicated the long end customer that cannot cover at serving the bank in setting of travel of the business that carry Cheng group with the hope more convenient the guest that applies for to consume loan group, since goes to the active carry out of general benefit finance, also be develop what setting consumes finance to carry out energetically to what national institute advocates fulfil. Current, this professional work is fast and steady grow, satisfied the consumptive finance requirement of platform client not only, also raised a client to be in the stickiness of the platform that carry Cheng.
To Shang Cheng, partner of sufficient have the aid of " mount a horse " it is the first pace only, shang Cheng exert oneself is offerred at be general collect masses more the consumptive finance of diversity serves, finance of benefit of general of travel of active carry out. Present condition changes an aspect, besides " gene advantage " outside, shang Cheng still continues layout education, car derives outfit of service, home and building to rent wait for an industry. To afore-mentioned business setting, shang Cheng was made " 5 an organic whole " the venture closes compasses identify a system, analyse application through artificial intelligence identifying and big data, strengthen on one hand begin professional work with allied partner, the key does hospitality group risk and con risk identify, establish the pattern of shirt-sleeve development below the line on the line, implementation business grows board piece change; Pass App on the other hand, pay drainage of treasure life date to promote self-supporting business scale, build business setting network, build a client to defend a plan, strengthen the cooperation with setting Internet platform, extend client channel further, provide a service for its. Shang Cheng's product has specified amount of small, Pu Hui, agile loan to spend wait for a characteristic, current and OK 7 × apply for 24 hours at any time and place, second Shen Miao is borrowed, along with borrow along with still, promoted a client the experience.
2, use innovation of financial science and technology, poor dissimilation develops
It is better that innovation of financial science and technology lets our product serve more efficient, client to experience lower, risk controls more high grade, management cost.
The side runs in the risk, above all, risk of credit of Shang Cheng exert oneself real time is decision-making judgement, already was based on behavior characteristic data of the client and financial attribute data, built associated data lab with the partner, wait for a method through picture of statified to the user, real time, realize machine of whole technological process to examine and approve. Next, shang Cheng carries equipment dactylogram, person the method such as analysis of behavior of facial identifying, intricate network, Internet forms huge regulation intercurrent operation, through millisecond class output is in as a result turn over con link to undertake joint defence couplet accuses, dissolve the identity to risk with, ash produces representative, business door to cover the con method that waits for the mainstream on the market now. Again, shang Cheng is evaluated carefully and introduced the multidimensional outside data that sign a letter, form what sign a letter with traditional people bank is complementary, all-around the data variable such as the feature, expression that use a letter trades on the demography feature that takes a client, gregarious network feature, line, the data that converts to the model undertakes machine and be applyinged, raise the dependability of the model. Next, shang Cheng proposes form those who be based on big data shed data operation platform, increase real time data processing and analytic capacity. Politic field serves in sale, shang Cheng devotes oneself to to apply " big data " executive essence follows sale, browse to covering, trade, the client behavior data of the respect such as travel destination choice and financial data undertake deepness is machined, will lock up decide potential client, and according to client act law, combine its to be in content of area, behavior to consume a habit certainly, essence of life permits client of fixed position cause, undertake corresponding market sale activity and product are popularized.
3, active exploration develops jointly, cooperative win-win
To consuming the pursuit of setting and compose to build, it is the foundation that consumes financial business development. Review the market, when early days consumes financial industry to develop quickly, consumptive banking modes of life and relation to their environment puts in a few kinds to develop pattern jointly: It is to be put jointly borrow, the risk is carried in all; 2 it is financial orgnaization provides loan fund, by aid borrow platform to assure, risk of reveal all the details; 3 it is setting collaboration square custom-built turn business and offer loan service to reach by financial orgnaization assume a risk.
In 3 kinds of afore-mentioned mode, platform offers risk of existence of mode of reveal all the details to cannot accuse to reach assure ability and aptitude inaccuracy decide an issue. And the mode that developing type of associated credit side is a kind of dovish win-win. So, the times is superintended after, active exploration develops mode to should pay close attention to 3 respects mainly jointly: It is to rely on setting adequately; 2 it is both sides can begin a risk to build a model jointly; 3 it is the logical pattern that distribute profit. Additional, the collaboration of the interagency that hold a card should give encourage.
Shang Cheng is explored actively and exert oneself strengthens the communication that extends zephyr to dominate the field such as management in business with orgnaization of finance of a person of same business and setting Internet platform. Build in the compose of system of exterior collaboration channel on, the company is careful and orderly, advance steadily. Contrast superintendency requirement and company fixed position, square aptitude of key attention collaboration, product adds up to compasses sex, business to add up to compasses sex, collect fees combine the aspect such as compasses sex, examine to giving a letter, risk control, undesirable urge close, the core link key such as information safety accuse, accomplish a risk to penetrate.
4, defend combine compasses bottom line, take on social responsibility
Close compasses the lifeline that is financial orgnaization. Shang Cheng takes law seriously to add up to compasses risk to prevent highly since hold water accuse system mechanism to build, build and perfected law to add up to compasses risk to defend the constituent framework that accuse and system system. In addition, we still take seriously build and advance what combine compasses culture, will add up to compasses culture to build the whole technological process that blends in construction of company business culture, build " add up to compasses creation value " combine compasses culture.
As the orgnaization that hold a card, shang Cheng already will assume social responsibility to bring into the development target of the enterprise. In routine, shang Cheng filters work of protection of consumer rights and interests in each specific business flow, undertake to financial consumer sufficient information exposure and necessary risk hint, fulfil adequately " general benefit finance " development demand.
3, hind superintendency times, when to think what develop to consuming financial business
1, the centralized system that sign a letter, promotion industry risk is prevented control capacity
People bank signs a letter is the important step that client risk assesses in consuming financial business to manage, the authenticity in client credit history, completeness and enclothe degree on having absolutely advantage. But the place before be like is narrated, the long end customer that the cause client that consumes finance does not cover for bank banking service group, the data that sign a letter lacks the fetters and handcuffs that makes industry progress.
In Feburary 2018, people bank approval establishs 100 to sign a letter, trade through each behavior data undertakes to the client credit gives a mark, the financial data that signs a letter with people bank is formed effective and complementary. The one big profit that this is development of consumptive banking industry is good. Bank data and the union that are not bank action data are used, the across of multinomial news source examines to be based on significant improvement the information that static feature data and bank trade only, conduce to discriminate in time in bank and blame bank money market the consumer of excessive loan, the help is prevented cheat borrow or excessive and leasehold behavior. Consumptive banking firm should use afore-mentioned outside news channel integratedly, the means such as the politic technological process that carries drive of regular volume, model, data perfects the risk to the client to evaluate, but the data that should consider how to get on respective hand at the same time participates in a system to share, the close together union that pays attention to data and business setting defeats solution to the essence of risk problem, avoid the extreme that accuse.
2, application of innovation of aggrandizement finance science and technology, solve an industry to develop pain spot
Or of financial science and technology is finance of science and technology, it is finance constitutionally. Itself of financial science and technology is a technology not only, still implement the measure of financial product iteration through technical innovation. The development of a series of IT such as catenary of computation of mobile interconnection, big data, cloud, artificial intelligence, area piece and application, open times of financial science and technology. Financial science and technology can solve the problem such as risk, cost, efficiency, and a series of foundation problems that these consume place of finance of benefit of general of travel of financial carry out to be faced with currently just about, but specific implementation method and method how, still remain the industry explores practice further.
3, compose builds centralized superintendency system, make the development environment that adds up to compasses, dovish, fairness
Superintend with close compasses is perforative consumed financial industry development and change 2017 from beginning to end, superintend and father by force windbreak danger is in the Chongzhongzhi that 2018 will still be consumptive finance domain is heavy. Here setting falls, finance of of all kinds consumption management main body brings into centralized superintendency system, the superintendency blank that because superintend a standard to be caused skimble-scamble and easily,eliminates and " gray region " , form close compasses management level unifiedly, this will go to very big stimulative effect since the healthy progress to the industry. As superintendency ceaseless development, the space that cover interest disappears, consume finance also will gradually radically reform, regression aids power consumption to upgrade, the service comes on the hypostatic economy, orbit that drives supply side to reform.
"Long wind broken wave is met sometimes, hang the sea of cloud sail aid continuously. " below the premise that holding to the dovish, road that closes development of compasses, innovation, poor dissimilation, the bitter fleabane break out that consumes finance postpones the development that can help finance of force general benefit better, serve better at hypostatic economy, comply with demand new change, ceaseless play consumes the area that develops to economy to move action.
In Hu Hao of general manager of finance of Shang Cheng consumption
