Big data credit may become a new "window" for p2p development.

Big data credit may become a new "window" for p2p development.

Recently, Mr. Li Haiou, ceo of Pocket Gold, said in the "China Credit Leaders Forum 20 15" that the most difficult problem to solve in Internet finance is the credit problem. In finance, there are risks when there is a loan relationship, but you can't know how the other party's credit is through the Internet, and the Internet can't solve this problem. As we all know, the most worrying problem of p2p online lending platform is that borrowers borrow repeatedly. However, at present, because the data of various p2p online lending platforms are not interconnected, it is easy to have the problem of repeated borrowing. If borrowers borrow repeatedly on different platforms, once repayment difficulties occur, it will lead to bad debts on multiple platforms, which will affect the credibility of the entire p2p industry and seriously hinder its healthy development. Behind this situation, it actually involves a very critical personal credit problem in the p2p industry.

"At present, big data credit reporting is still in its infancy for bag gold, which has a risk control degree of 360. When using this risk control system, what is the weight of which index? In fact, there is no way to get a more authoritative statement from the national credit information system. "

"When a person borrows money, is his loan data heavy? If he does good deeds, can this be regarded as a weight? Does the standard of big data credit information consider this matter? " "There is an indicator in Baojin 360 risk control called employee ethics. When using employees or recruiting employees, I like to see employees have, such as love or volunteers. For me, our current credit information is relatively lacking. "

"In fact, as a p2p and online loan company, we need to do some credit investigation on the behaviors of many borrowers and some credits. At the beginning of the year, I heard the country say that the construction of big data should be completed by the end of the year. I don't know, now. Does the boss say that the national system can echo? Credit information is not only the credit information of the loan, but actually the complete credit information. "

Up to now, there are about 300 million natural persons with credit records in the central bank's personal credit information system, which is less than 1/4 of China's total population and far from meeting the demand of the lending market. Many people who don't have credit cards or have never had a loan relationship with a bank find it difficult to obtain credit services. Moreover, the information in the central bank's personal credit information system is only provided to banks and myself, and is not open to the public. In this way, for the p2p industry, this restriction has undoubtedly become the bottleneck of its development.

P2p teamed up with big data to collect credit information and get through the second pulse of Ren Du.

How to break this situation? "Whether it is the intervention of the central bank's credit reporting agency or the intervention of a third-party credit reporting service company, a unified credit reporting system can be established through big data, and then a qualified p2p platform can conduct data docking." Li Haiou, ceo of Pocket Gold, believes that after successful data access, investors can query the credit records of borrowers through the platform, thus solving the risk problem of borrowing from the source. Once the credit problem is solved, the development potential of p2p will be fully activated, and its future is limitless.

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Credit information system is the cornerstone of modern financial system. Whether there is a perfect credit system is an important symbol of the maturity of the market economy. The construction of credit information system plays an important role in preventing financial risks, maintaining financial stability, promoting financial development and enhancing financial competitiveness. The essence of Internet finance represented by p2p is still finance, and credit reporting is one of the key factors for its healthy development.

According to estimates, China's personal credit market space is 654.38+003 billion yuan. At present, the total scale of personal credit reporting and corporate credit reporting is only 2 billion yuan, of which personal credit reporting only accounts for a small part. China's personal credit reporting market has huge room for growth in the future. It is foreseeable that credit investigation will become a new "window" for the development of p2p industry.

The above is what Bian Xiao shared with you about big data credit reporting or becoming a new "window" for p2p development. For more information, you can pay attention to the global ivy and share more dry goods.