How does the peer bank create new standards for industry security?

In the Chinese Internet domain, the development time of internet finance is almost the shortest, but the promotion and recommendation of Internet finance to the national economy and the nation's livelihood and the internet is far more than any other branch of Internet business. Today, based on the parallel development of mobile terminal and mobile Internet, as well as the universal application of Internet finance in the fields of ordinary people's life and work, the current Internet finance is entering a brand-new life service field, and changing the mass life with its great penetrating power.

In addition to the usual financial credit business, the Internet finance in today's situation has been extended and expanded to more areas, of which the more obvious is the credit system, the construction of the Internet system, and other systems, although based on the internet approach, But its impact on the whole financial market and the promotion of the same can not be underestimated. In addition, the Internet financial credit system and other credit system is more short-term, high efficiency characteristics, especially the Internet financial platform and the traditional financial platform together, more conducive to the improvement of the whole industry.

Not long ago, GF Bank and the domestic leading peer service provider pleasant loan jointly held "GF Bank and Yi Xinyi people loan peer-to trust business test launch Conference", in this conference, the two announced that they will form a strategic cooperation model, and in the appropriate Xinyi people loan and GF Bank cooperation on-line, each lender, Borrowers will be in the GF Bank to open a peer-to-money escrow sub-account, the appropriate Xinyi and banks will verify the authenticity of borrowers and lenders.

Peer security needs credit and wind control security

In the past a long time, peer almost become a daunting new term, in most of the lack of competitive power and effective regulatory measures, the small part of the platform's run-off behavior not only brings bad impact on the industry, but also seriously disturbed the Chinese Internet financial market benign development order. Although the relevant departments have subsequently introduced measures, as well as increased supervision and rectification of the entire industry, but the gray area of peer-to unfathomable still exist, some of the heart of the platform is still spying on the opportunity.

As a new way of internet finance, most ordinary users don't have enough knowledge about it, so in a mixed market environment, a small number of ordinary users with investment intention are often deceived by lack of sufficient knowledge. During this period, many peers of the industry, on the one hand, constantly strive to build their own wind control management, on the one hand is also calling on the entire industry from the level of security, and strive to provide investors with maximum investment protection.

The above mentioned pleasant loan in this regard took the lead in the use of credit big data for audit and wind control management, the main way is through the characteristics of the borrower's data, user behavior, borrowing purposes analysis, targeting the target user groups to provide different types of loan customers products and services. This approach and the traditional way presumably, it broke through the traditional model of the personal credit borrowing process, simplifying the personal borrowing process (no need to submit proof of property income and credit report), such as the user in the mobile phone client simple input three information, can be 10 minutes quick feedback audit results can be the same day loan.

However, this model of pleasant lending because of its years of big data accumulation experience, so some do not have this advantage of the peer-to platform, still need to follow the path of development to find the most suitable for their own mode.

New industry standard: Bank Escrow

Peer in the past few years in the development process has undergone different stages of development, but with the market requirements and the gradual standardization of the industry trend, the future of peer in the professional, service-based requirements will become increasingly stringent, and in this case, how to protect the user's loan business and investment services, So it becomes the focus of most peer-to-peer platform focus.

The cooperation model of GF Bank and pleasant loan is based on this background, on the basis of the cooperation model of the two, the bank will carry on the transaction from the contract filing examination to the payment and contract matching in the whole process after the matchmaking on the online platform. Truly ensures that lenders lend their money to the online platform and to each real borrower. This way and the traditional business presumably, can further verify the Xinyi people loan Platform information authenticity and transparency. GF Bank will record each lender and borrower's virtual sub-account flow and regularly issued peer-to-trade funds escrow report, to achieve transparent transaction between the two lenders, to verify the real existence of lenders and borrowers, enhance the security of funds allocation and settlement of funds.

Compared with the traditional model of the past, it is not difficult to find that the pleasant loan and GF Bank to achieve this mode of cooperation can allow the bank to the platform to implement a full-scale funding, so as to avoid the majority of the non-reputable peer platform to run and fraud. This will be the platform trading funds and enterprise-owned funds isolated, to eliminate false claims, to the greatest extent to avoid the platform to set up a pool of funds, conducive to risk control, effectively reduce the platform to run and fraud, improve peer trading security, protect the interests of investors.

This approach, because of the fundamental protection of money security, so in the future or will become the mainstream direction of the industry.

In the course of the development of Internet finance, peer is more convenient in operation mode than other traditional financial business because of the novel model and the full use of the Internet platform. It is precisely because of this natural advantage, peer in the early development process quickly into the high-speed development of the Golden Age, but at the same time, because of its short birth time and rapid development reasons, some illegal platform has also been run, to a certain extent also to the development of the industry has brought losses and vicious impact.

However, this situation with the introduction of relevant laws and regulations, as well as some industry leaders and representatives of the appeal of the gradual improvement, some of the responsibility and obligation of the platform has been in the pattern innovation, wind control management and other aspects of the positive exploration and initiatives, to a certain extent for the industry's development has brought positive demonstration effect, means a new milestone in the development of the industry.

How do you create new standards for industry security?