Student Network credits caution: Internet financial credit risk Division-P2P, net loans-IT information
With the rise of Internet financial, school loans, many students need money when choosing. A few days ago, Peking University and Tsinghua University more than 20 universities and financial institutions issued jointly by the China Youth financial awareness and behavior survey report said, when students have favorite objects and are unable to purchase, 18.6% select the installments, 13% chose to use Internet financial service or product. But the recent campus credit problems are emerging, after Henan University students unable to repay hundreds of thousands of Yuan in arrears and the choice of suicide, Changsha, and media exposed illegal detention of some university students unable to pay after the expiration.
Extreme incidents reflected many of China's Internet market pain points and blind spots, as campus lending platform for loans of the same borrower information no data sharing, repeated credit result in multiple debt, high liability risk.
NET loans cannot be connected directly to the Central Bank's credit information database, this "credit island" phenomenon has plagued development bottleneck. Then the present outbreak in consumer finance, how to put a yoke on risk and desire, integrity go, discredit stuck in it?
Consumer finance behind the hot bad
Up to 10%
"From a risk point of view, China's Internet banking is currently not connected to the financial system. "On May 17," 91 credit product and strategy launches ", 91 credit CEO said Xue Benchuan an exclusive interview with the China Times reporter, consumer pain point is the lack of a standardized system of information-sharing, leading to credit risks in the financial sector has been high.
Statistics show from the reminders collection for all platforms, since 2011-2014, 250,000 people, overdue for more than 3 months, lending losses more than 14 billion yuan.
Important causes that lead to the repayment difficulties is the multiple indebtedness ratio increased: in 2011, only 3% people with multiple debts; by the year 2014, 25% per cent of borrowers in more than 2 Internet platforms get loans, nearly 11% of borrower institutions borrowed 3 and above.
Which 37% multiple sheets of bad debts and borrowing more than 2, has doubled in 4 years 8 times, borrowing more than 3 companies, has doubled in 4 years 40 times! Even bad debt among those who are concentrated in the 1% 75%. And don't pay the rate continues to rise, has now reached the level of 10%.
For multiple indebtedness after the Internet financial company is not a good solution, in the traditional credit business, want to reduce industry risks, understand borrowers ' credit before lending, usually using QQ Group to share information. But demand for credit will soon be submerged by the flood of information, information transfer efficiency is poor.
How can the Government solve the long existing islands of credit problems?
Xue Benchuan, the "91 credit" create intelligent distributed solutions are designed to open up individual credit information business platform, achieve real-time data sharing between agencies.
91 credit by establishing a standardized communication programme, intelligent distribution technology and distributed database technology, all the interconnection between Internet banking and traditional financial institutions, joint control.
In the product form, 91 credit without storing, no processing, no sorting any data, but rather the establishment of a standardized interface, direct user database link no longer unified central database to store the query.
Xue Benchuan, 91 credit more like drops of the credit industry. "The drop is not a car, but when you need a car, through the interchange of information owners and passengers. We are doing so, 91 credit itself has no data, but it can allow users to access information through the data. ”
"Joint control"
Eliminate data platform rising
Financial regulation winter encounters on the Internet, big data risk platform ushered in the air.
Previously, 91 credit has gained tens of venture capital into the international VC matrix partners, for the promotion of business cooperation, as well as the amount of data. Xue Benchuan disclosed that currently is in second round of financing, financial institutions leading the cast list.
91 credit line just 200 days have included Tianjin Jincheng Bank, Bank consumer finance, building block box 200 companies signed cumulative query exceeded 3 million passengers, Agency for cooperation to reduce the losses of about 10 billion yuan.
Xue Benchuan said his goal is to be able to in the next 1 years, completed the cooperation of more than 1000 companies, query capacity from 3 million to 20 million people, will be able to reduce the loss of 70 billion yuan for the whole industry.
Coincidentally, the shield technology with intelligent data risk in the world on May 19 announced the formation of the League, which has more than 3,000 members of the risk-control Union "formation of joint control" concept, aimed at eliminating islands of data play an important role, promote data sharing.
"Particularly on the Internet, low cost fraud, fraud penalty is difficult. "With the shield technology Chairman and CEO said Jiang Tao, risk status for the Internet, with shields raised cross-industry joint control wind control concepts, adhere to the credit risk and fraud two product lines in parallel.
Founded in 2013 with the shield technology has successfully completed 4 rounds of financing, like Qiming, broadband capital, CRE, IDG capital, all played a part. Lead investor capital Nanping investment Department Director Cheng said at a press conference in the latest financing: all kinds of investment and financing platform (funds and assets sides) calls supporting the rise of the rise of technology. "The domestic financial infrastructure in the areas of far less than United States companies of the same type of environment, enterprises are faced with professional and technical fraud gang, islands of data, a large number of existing credit system is not touching the center of the crowd. Domestic venture soils need more like shields, like the richest artisans of the data company! ”
学生网贷请谨慎：互联网金融信用风险隐患难除 - P2P,网贷 - IT资讯
随着互联网金融兴起，校园贷成为不少学生急需用钱时的选择。日前，北大清华20多所高校与金融机构联合发布的《中国青年财商认知与行为调查报告》称，当大学生遇到心爱之物却又无力购买时，18.6%选择分期付款，13.0%选择使用互联网金融服务或产品。但近来校园贷的各种问题不断出现，此前河南某高校学生因无力偿还数十万元欠款而选择轻生，其后又有媒体曝出长沙某大学生因到期后无法还款遭非法拘押。
极端事件的背后折射出我国互联网金融市场的诸多痛点和盲点，由于各校园贷平台对同一借款人的借款信息没有数据共享，重复授信导致多重负债，引发高负债风险。
网贷无法直接接入央行信用信息基础数据库，这种“信用孤岛”现象成为一直困扰行业发展的瓶颈。那么在消费金融大爆发的现阶段，如何给风险和欲望套上枷锁，让诚信者畅行无阻，失信者寸步难行呢？
消费金融火爆背后不良
高达10%
“从风控上看，我国的互联网金融当前是不联网金融体系。”5月17日，在“91征信产品及战略发布会”上，91征信CEO薛本川接受《华夏时报》记者专访时称，消费金融的痛点在于缺少一个标准化的信息共享系统，导致金融行业的信贷风险一直居高不下。
来自人人催催收平台的数据统计显示，自2011至2014年，有25万人，逾期超过3个月，放贷损失累计超过140亿元人民币。
而导致其还贷困难的重要原因是多重负债且比例逐年上升：2011年只有3%的人存在多重负债情况；到了2014年，25%以上的借款人在超过2家互联网金融平台获得了贷款，近11%的借款人在3家及以上机构借过款。
其中有37%的坏账存在多重负债情况，借款2家以上的，在4年间翻了8倍，借款3家公司以上的，在4年间翻了40倍！甚至75%的坏账集中在1%的人身上。且不还钱的比率不断攀升，目前已经达到了10%的水平。
针对多重负债问题，此前互联网金融公司没有一个好的解决方案，在传统的信贷行业，想要降低行业风险，放贷前要先了解借贷人的信用情况，通常采用QQ群的方式共享信息。但征信需求很快就会被海量的信息淹没，信息流转效率极差。
那么怎样有效解决行业长期存在的信用孤岛问题呢？
薛本川介绍，“91征信”创造的智能分布式解决方案旨在打通各个信贷业务平台信息，实现各机构之间的数据能够实时共享。
具体看来，91征信通过建立标准化通讯方案，智能分发技术及分布式数据库技术，实现所有互联网金融及传统金融机构间的互联互通，联防联控。
在产品形态上，91征信不存储、不加工、不整理任何数据，而是建立一个标准化的接口，直接把用户的数据库串联起来，不再统一交由中央数据库进行存储查询。
在薛本川看来，91征信更像是征信行业的滴滴。“滴滴没有一辆车，但是当你需要车的时候就可以通过信息联通车主和乘客。我们在做的也是这样，91征信本身没有数据，但它能够把信息打通让用户获得数据。”
“联防联控”
消除数据孤岛平台崛起
在互联网金融遭遇整治寒冬之际，大数据风控平台迎来了风口。
此前，91征信已获得了国际风投经纬创投的千万级风险投资，用于商务合作以及数据量的提升。薛本川透露，目前第二轮融资正在进行中，有金融机构在领投名单之中。
而91征信上线仅200天已有包括天津金城银行、中银消费金融、积木盒子等200家公司签约，累计查询量突破了300万人次，为合作机构减少了约100亿元的损失。
薛本川称自己的目标是能够在未来1年时间里，完成超过1000家公司的合作，查询量从300万达到2000万人次，届时将能够为整个行业减少700亿元的损失。
无独有偶，同盾科技智控天下大数据风控联盟也于5月19日宣布成立，这个拥有超3000家成员的风控联盟其“跨行业联防联控”的理念，也旨在消除数据孤岛、促进数据共享等方面发挥重要的作用。
“特别在互联网上，欺诈成本很低，欺诈的惩罚也很难。”同盾科技董事长兼CEO蒋韬称，针对互联网风控现状，同盾提出跨行业联防联控的风控理念，坚持信贷风控和反欺诈两条产品线并行。
成立于2013年的同盾科技已经顺利完成4轮融资，像启明创投、宽带资本、华创资本、IDG资本等均有参与。领投方尚珹资本投资部董事南萍在最新融资发布会上表示：各类投融资平台（资金端和资产端）的兴起召唤着支撑技术的崛起。“国内金融领域的基础设施建设远不及美国同类型公司的环境，企业面对的是专业且技术化的欺诈团伙、数据孤岛、大量现有征信体系未触达的人群。国内的创业土壤需要更多像同盾一样富有工匠精神的数据公司！”