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资本酣战互联网汽车金融

2017-09-21 05:51:59   中国经济网

“汽车领域的互联网化进程刚刚开始,参与者大都站在同一起跑线上,每家企业都有很大的想象空间。同时,当前风险资本市场缺项目不缺资金,互联网汽车金融领域的巨大想象空间自然容易吸引资本关注。”苏宁金融研究院高级研究员薛洪言说。

前景可期问题不少

虽然互联网汽车金融已经成为投融资风口,但也面临着征信体系缺失、大数据风控中数据缺失等瓶颈和难题,并没有看上去那般美好。

我国目前在征信市场方面尚未建立统一明确的行业规范,公众征信更新不及时,共享机制不健全。“央行征信目前只针对银行等金融机构开放,互联网汽车金融公司目前尚不能接入央行征信系统共享信息。与此同时,互联网汽车金融公司在与第三方商业征信机构开展合作时,也面临着第三方商业征信机构数据分散化、碎片化等现状,这导致互联网汽车金融公司需要衡量第三方商业征信机构的数量、机构的数据质量、数据的稳定性及价格等,间接提高了业务成本。”陆雨泉说。

大数据风控模型的数据样本有限且模型的有效性同样需要市场验证。互联网汽车金融提倡快速便捷的客户体验感,在此需求下,互联网汽车金融公司普遍依托大数据开发风控模型,力图减少人为干预,通过模型验证来促成业务快速达成。但是,汽车金融作为一个低频次、高金额的业务种类,其数据样本量有限,很难达到短期建立风控模型的目的。因此,互联网汽车金融公司会依托自身已有的数据样本及通过第三方公司采集到的数据样本建立风控大数据模型。但该种风控模型限于数据样本的数量,尚不成熟。

陆雨泉认为,作为一个新兴行业,究竟何种数据模型能更好地完成企业自身风控的预期目标,如何确保自身数据采集及第三方数据公司所提供数据的准确有效,都是一个需要不断摸索实践的过程。作为以盈利为目的的企业,在数据采集和模型搭建的过程中,能否不受市场占有率及销量的影响,始终如一地贯彻风控数据采集标准,确保采集的数据完整有效,这也是目前众多互联网汽车金融公司所面临的考验。

此外,线上功能有限、难以把控消费场景也是掣肘互联网汽车金融发展的因素之一。汽车金融的核心业务是汽车消费金融,其布局需要把控消费场景,但基于汽车消费的特殊性,汽车消费场景恰恰是最难把控的,也成为互联网企业发展汽车金融业务面临的最大挑战之一。“汽车消费是典型的大件消费,且涉及三包政策、挂牌过户、维修保养、保险等一系列问题,纯线上场景可以覆盖的环节极为有限,需要与主机厂、经销商等深度合作,但主机厂与经销商基于自身利益,与互联网电商平台合作的意愿有限。”薛洪言表示。

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