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惠人贷李晨:“金融科技+场景化”破局消费金融

2017-09-22 20:22:01   中国经济网

9月20日,由《贸易金融》杂志、中国消费金融网、消费金融公众号、中国消费金融产业生态联盟联合主办的“2017中国消费金融年会”在京隆重举行。本次年会以“金融科技背景下消费金融的创新与可持续发展”为主题,吸引了来自监管机构、行业协会、银行业、知名金融科技企业等数百位业界精英参与,共同探讨消费金融行业未来发展。惠人贷CEO李晨应邀出席,并就“金融科技对消费金融创新及可持续发展的变革与启示”这一话题与宜人贷、包银消费金融、马上消费金融、广东南粤银行等机构进行了深度探讨。

(圆桌论坛现场,左一为惠人贷CEO李晨)

金融科技将成为推动消费金融发展的核心驱动力

在激烈的竞争环境中,如何利用移动互联、大数据、云计算、人工智能、区块链等新兴科技来降低服务门槛,提升业务效率,增强风险管理能力,成为各消费金融机构必须思考的问题。在圆桌论坛上,各位嘉宾对金融科技在当前的应用落地做了沟通与交流。可以看出,金融科技正日益成为推动消费金融发展的核心驱动力,其主要表现在对平台运营效率的提升及风控管理层面。

消费金融涉及的业务最显著的特征是小额、高频以及分散,如果通过人工进行处理,不仅成本高,也无法保障效率。李晨表示,借助科技力量,惠人贷已经可以做到自动化处理,使服务更灵活、更及时、更便捷,能不断优化用户体验。马上消费金融总监李届悦也坦言,传统的系统已经难以支撑起消费金融业务在高并发量下的缓存操作、低延时需求,而科技金融正好解决了这一点。

在风控层面,大数据和人工智能的加持,有助于提升风控模型的准确度,审核效率有了大幅的提升。但当前国内互联网信用数据体系仍处于尚未完善阶段,各大金融机构在扩大数据量、提升数据的有效性和准确性方面做了不少尝试。如宜信供应链金融的渠道共享、广东南粤银行的直销银行模式,马上消费金融通过引进股东,获得数据支持,以及购买第三方数据等。但李晨也强调,科技的应用是基于场景和模式的,做消费金融的风控必须要跟行业本身的特点结合起来。这意味着,不同场景有不同的逻辑和规律,必须要抓住不同场景下风控的主要矛盾。数据并不是越多越好,相应场景下的有效数据才是需要把握的重点,从而形成自动化、集成化同时便于定制化的风控系统。

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