The secret of the point drop around the big data risk control model construction

Revealing the point drop around the big data risk control model construction

Recently, following the issuance of the central bank and the local government's several guiding opinions and solicitation, the once-hot Internet finance has been pushed to the tip of the public opinion, and for a time about the third-party payment and the Internet financial platform of the funds trusteeship issue has become a hot topic of discussion. In fact, whether it is a third-party trusteeship or bank depository, the conversion of these methods is just for the Internet financial platform to add a layer of credit endorsement, enriching the entire wind control system in the form of external expression, on the basis of its fundamental, the decision of the Internet financial sound operation of the real basis of the construction of the wind control system is in fact big data.

Big Data Risk Control Inevitability

Current society, data is an asset, if you can broad and deep access to data, processing data, analyzing data, applying data, then you can stand out in the fierce battle in the mall. The rapid development of the Internet on the one hand provides convenience for our life, guiding us to any behavioral actions are carried out quickly with the assistance of the Internet, on the other hand, it also accumulates a huge amount of data for enterprises, as long as the organization analyzes the data appropriately and applies it in the appropriate field, it can stimulate huge commercial value, and Internet finance is one of the corners. In addition, from the construction of credit system for many years, the traditional risk control model of slow development, low audit efficiency, time and space coverage is narrow, as well as mixed with a lot of human subjectivity, and the use of big data opportunity not only can make the efficiency is greatly improved, but also to make the review results are more accurate, therefore, the advent of the era of big data risk control is inevitable!

The successful use of big data risk control

China's Internet finance has its name but not its meaning, forced by the long-standing concept of the impact of the shortage of big data technology talent, risk control review is still relying on traditional offline. But there are organizations have begun to layout big data risk control, recently, a named point drop around the Internet financial platform attracted the public eye, and as a recent operation of the platform, once on line will attract the attention of all walks of life, quite popular with investors, the reason for which, on the one hand, it is precisely based on the construction of the perfect big data risk control system, on the other hand, is based on the framework of its unique products.

In terms of the construction of the big data risk control model:

First of all, the self-created eagle-eye risk control system. The entire model is based on in-depth research of China's actual credit situation and multi-dimensional credible data analysis, combined with the team's many years of field credit review experience, and constructed on the basis of the FICO scoring model and credit card scoring card.

Second, multi-channel data collection and mining of user information. Adopting various means such as user authorization, cooperative access and network public data capture, the team masters multi-dimensional data such as borrowers' Taobao, Jingdong, credit card consumption and repayment, cross-platform borrowing and investment, utilities and coal payment, social security, school credit, professional qualifications, communication, residential address, etc., and accesses a number of official data systems such as the People's Bank of China's Credit Information System and Resident Identity System.

Finally, data analysis and evaluation calculation. Through the parameters and dimensions that have been set up, the 34 categories of nearly 2,000 variables in the borrower's online process are screened and intelligently compared, and their behavior and relationships on shopping sites, social networking sites, and daily life sites are analyzed, so that the borrower's credit rating is calculated, and thus the credit limit is given.

In terms of products:

Firstly, the products are unique with short term and high interest rate. There are mainly three kinds of products: novice mark, short-term mark and high-yield mark. The novice mark has a term of about 15 days, and the interest rate is more than 8%, which is better than the baby products; the short-term mark has a term of 1 month, and the interest rate is about 14%; the high-yield mark has a term of about 3 months, and the interest rate is about 18.4%, and the amount of borrowing is generally around 1,000 yuan, which makes the borrowers' repayment ability strong. T+N mode current products, deposit and withdrawal.

Second, high security. The company has not only a perfect big data risk control system, but also a risk reserve, which allows investors to invest with peace of mind.

In addition, point drop around the initial launch of the delivery of money to solicit customers is also very strong. Newbie registration that sends 20 yuan investment bonus, the first investment and then send 30 yuan cash bonus. Short-term standard plus red packet rewards, starting at 100 yuan, low threshold, easy to operate, which prompted the platform was able to quickly within a week to attract nearly tens of thousands of fans, the total turnover is also a high trend.

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