The era of Internet levy: personal credit management next city?

15 years later, personal credit finally ushered in a new era. In the future, all data based credit services will be customized.

Starting from 1999 Shanghai personal Credit Test, by January 5, 2015, the central Bank approved 8 personal credit agencies, personal credit of the curtain finally opened. Corresponding to this is a term called Credit management (Creditmanagement), from the so-called Chaoyang industry to the bursting of the talent gap, the Internet credit age brings a new pattern of credit industry.

The newly established 8 personal credit agencies belong to different queues, according to a research report of GF Securities, 8 institutions are divided into four categories: first, the internet giants, the second is the insurance company, the third is the old credit companies, four are the emerging companies with data resources. And its development is based on the improvement of the national infrastructure, according to the "First financial daily" reporter exclusive learned that under the NDRC's national credit system is operating, included in the data range is very wide, may also include judicial data.

The "Blue Sea", which is based on data, is also a land of various capital disputes. Not only many internet giants have long been eyeing, and in different business models, the old credit companies, insurance companies, and other Internet financial companies are ready to send.

Creditmanagement New Machine

Credit is never a strange word, and the development of the credit management of the new machine can be determined by the expanding credit concept and credit management specialty.

According to the Ministry of Commerce statistics, in the next 5 years, our country will need at least 500,000 credit management managers, 2 million credit managers, especially the Ministry of Labor recently announced the credit manager of this new occupational category, almost all enterprises will establish a credit management system and credit Management department, The professional demand for talent and supply gap is great.

In the opinion of Wu Jing, director of the Center for Credit Management Studies at Renmin University of China, the future will be the formation of three major credit system: the first is the big credit, that is, the central bank is now the core of the credit, which is already under the existing system has been formed, will not have much change in the future, and will let it occupy a certain position in the economy The second is the gradual development of the Government's public credit, which will soon form a data center in the country, its data are regulatory data, and three are growing commercial credit, which is a variety of private credit platform.

Last June, as China's first special outline of credit construction, "China's Social Credit system construction planning Outline 2014~2020" (hereinafter referred to as "planning") for the entire credit system to build a top-level design plan, "planning" over the "Twelve-Five" and "Thirteen-Five". Wu Jing said: "Social Credit system planning as the country's highest credit construction of the top-level design, in fact, has already solved the problem of institutional arrangements." ”

According to the Wu Jing sister introduced: "Government public Credit," planning "before and after the promulgation of the local government, the government, a level, two-tier cities, north, Upper and Broad has been established, to industry and commerce, taxation, customs and other government information integration, the planning requires government information integration must be achieved in 2016. ”

The growth of business credit platform can be broadly divided into enterprise credit platform and personal credit platform. Enterprise credit platform not only for administration, public utilities, but also for a variety of information, and personal credit platform for the development of the speed is also staggering. In addition to the newly approved personal credit testing company, the China Credit Industry Development Report (2003~2013) shows that as of 2012, our credit agencies have reached 140.

"The personal credit market has great potential in the country and has both social and commercial value," said Yi Xin CEO Downing in an interview with "The first financial daily". However, it is still in the early days, how to shape and form a successful model are still in exploration. ”

Data and credit: blacklist, whitelist and data pricing

In fact, the credit industry chain is a relatively simple chain, from upstream to downstream are: data providers, credit companies, credit demand. According to the research report of founder Securities, which is subdivided into license companies and companies with scoring models, is the most important branch of the industrial chain.

Upstream data providers come from various organizations with personal information, corporate information, and related information, while the middle reaches the core of the credit industry chain. According to a person engaged in personal credit business analysis: "The future demand for credit will be more diversified, the demand for data and information will be more diverse, so the credit company's challenge is to customize the era of credit." "The simpler truth is that whoever has the ability to get more data and parse data in the future will be more competitive, and the niche market for data customization would be deeper."

So, the question is, how can data sharing and pricing be achieved throughout the credit chain? According to the above people said: "In the practice of credit, the general will be simple ' blacklist ' and ' whitelist ' to divide the camp, and then through the processing of information to further form to provide to the demand side of the credit report. ”

Downing told the first financial daily Reporter: "Data sources can be diverse, different data sources to obtain the way, for data processing is different." There is a lot of data on the Internet, the mobile internet world, and we have such a system of grasping. Crawl is just the first step, the next need for the capture of the data based on the knowledge map of the technology, can establish the relationship between data points, is to let the disorderly data become alive, meaningful and valuable, the data source is from the Internet, mobile Internet Virtual system to obtain data. ”

"Another important source of data is based on customer authorization, from his trading information, behavioral data, etc., through technology to obtain information." For example, with the cooperation of IKEA and ebay, the ebay platform's merchant authorized us to access his trading information on the ebay platform, which is also a very important source of data. The source of data is not only external, but also internal, not only the connotation, but also the extension of the type. Downing further said.

"The next step is to effectively deal with the technology based on large data to release its value," Downing said. We will gradually develop a value exchange model and methodology for different data providers. But for the price of data, it is too early. ”

Existing business models related to personal credit and roughly can be divided into four categories: the first category is the internet giant business model, Tencent, Ali and Jingdong in the same camp under the flagship of different models; the second type is the business model of the old credit company, with the help of the existing enterprise credit basis, the transition to personal credit is gradually The third category is the insurance company to do the credit, recently, the insurance industry strengthened the top design of the credit system officially released, and from another level, the insurance company to enter the bureau personal credit is also quite advantageous; the fourth category is the emerging companies with data resources: In addition to Lakara and Wah Road, there are new business models that are worth learning from.

(Responsible editor: Mengyishan)