Credit card will be issued

Yesterday, held in the "new financial Union summit," Dean of Tsinghua School of Finance Wu Xiaoling Wudaokou "P2P and crowdfunding is the direction of the future development of Internet banking.".

"However, P2P now often has bottlenecks." Wu Xiaoling introduced P2P industry now roughly two models, one is a third party guarantee to protect the security of funds, but this approach is limited by the security company's capital itself; the other Then to withdraw the risk reserve to protect the rights and interests of investors, also affected by the imperfect and difficult credit system restrictions.

In fact, the credit system, the industry has long been controversial. Many P2P platforms call for the development of the central bank credit system.

"However, a single small loan, if every go to the central bank inquiries, not only the cost is too high, and just check the lender's credit information is obviously not enough." Wu Xiaoling said that in fact there are many government platforms have the information open, Encourage the establishment of private credit companies to organize a large number of negative information and make a report on the future development of private financing is necessary. Wu Xiaoling revealed that the central bank is currently preparing to issue licenses related to credit.

Wu Xiaoling said that in the current situation of property registration system is not perfect, the combination of a lower amount and the financial ratio is more realistic. She explained that foreign P2P and crowdfunding should not invest more than investors in a certain percentage of their disposable capital, and investors will not suffer any further losses once the investment fails. But it is hard to know in China one person's total real wealth. "Thus, it may be safer to provide a smaller absolute amount from the statutory and platform rules."

■ sound

Minsheng Bank chairman Dong Wenbiao

I have to admit that Internet finance has really had an impact on banks, but not so much for everyone to imagine. At present, the reason why Internet finance has been well developed is that its business is mostly the area where banks have done poorly or neglected. Instead of fighting against the Internet financial companies and fighting one another, it is better to integrate with them for common development. Banks should make new and real businesses according to their own characteristics.

◆ Giant Group Chairman Shi Yuzhu

Banks will not be beaten by the impact of the Internet, Internet finance in the future to account for 20% of the bank has been very great, I think it is impossible to replace the bank. Banks are not simply institutions that run money, they operate credit. However, the industry that seldom seeks credit is the Internet, which determines that Internet finance can only make some individual areas.

◆ Beijing Finance Bureau party secretary Huo Xuewen

The impact of internet finance on the banking industry is also between 1 year and a year and a half.

■ related news

P2P platform re-investment credit network credit urgently need big data

Morning News (Reporter Jiang Fan Intern Yin Yue Jia) Recently, P2P online investment and financing platform announced the well-known financial investment van Lin Guangmao A round of financing, is following the profit network, pat loan and other P2P companies have millions of venture capital investment, the year Seven investment in P2P Internet financial enterprises.

The financing also triggered a discussion on the credit platform of P2P platform. According to Professor Li, a big data expert from Institute of Computer Science, Chinese Academy of Sciences, the problem that needs to be solved is the problem of data source. "The data in Internet service is compared with the data of traditional financial enterprises , Both in terms of quality and value are lacking, and the concept of Internet finance, technology, etc. better than the traditional financial.

The advantages of traditional finance and Internet finance complement each other as a source of data for the credit reference system of P2P lending platform, Professor Li said: "In the field of Internet finance, two important applications related to big data are credit checking and risk control. Companies draw their own characteristics from some behavioral data from banks or direct users. Now that big data is based on modeling under a full sample of samples, the accuracy and credibility are both much higher than ever before. In this way, we can take risk, security and credit to a whole new level, enabling the overall user experience of Internet finance to reach a very good level. "