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网贷平台加快人工智能应用
2017-08-16 07:28:36 中国青年网
随着大数据、人工智能等技术的发展,金融智能化趋势愈加明显。众多网贷机构也早已试水基于人工智能的各项金融业务创新,包括智能风险防控、智能投顾等。
“我国互联网金融在最近几年的一个突出变化就是数据资源的极大丰富。在传统的征信数据外,社交、电商等数据也开始被广泛应用于风险防控。这为机器学习、人工智能体系的训练和优化提供了充足的原材料。”小雨点网贷CRO陈绍林表示,与传统的评分卡、回归预测模型相比,人工智能可以更高效地筛选、组合海量数据,尤其是非结构化不规则数据,对客户作出全方位的分析和判断。
据介绍,乐信基于分期乐商城的运营和管理,针对千万级小微消费金融用户的大数据开发了多个核心系统,用于智能风险防控及资产管理。借用人工智能原理,乐信自主研发了一套“鹰眼”智能风控引擎。通过一系列规则和算法,“鹰眼”可以秒级完成对订单的自动化审核,还可以狙击有组织的欺诈行为。“鹰眼”引擎目前拥有6000多个风控模型数据变量,日处理订单量达到30万笔,可以对分期乐商城98%的订单作出自动审核处理,最快3秒钟反馈结果。
值得一提的是,除了效率高,人工智能在成本上也有巨大优势。“传统金融机构主要依靠线下门店对客户风险开展人工审核,成本随业务量线性增长。大多数网贷平台虽然引入了规则引擎、风控模型,但传统的技术手段往往只能判别客户的某几个特征,很多信息仍然需要人工分析和判断,成本难以降低。”在陈绍林看来,充分利用人工智能技术和大数据,搭建具有全流程自动判别的风控体系,可以极大减少网贷平台的人工成本。
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