Love investment Net: thick and thin hair in large data age

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After cloud computing and the Internet, there has been a disruptive technological change in the IT industry-big data. The significance of large data technology is to enliven the data assets, make it for the national governance, enterprise decision-making and even personal life services. It can be said that large data has opened a major transformation of the times, it brought about by the information storm changes in our lives, work and thinking, to trigger a new round of information investment and construction boom is of great significance.

Large data technology is not only to master the huge data information, but also can specialize in the data with meaning. Large data with 4V characteristics, that is, a large number of high-speed, diverse and authentic. In a way, large data is the frontier technique of data analysis. So peer-to-peer network loans This new thing how to use large data this Dongfeng, to achieve the rise of the internet financial sector, Love Investment network chairman Qianzhibin made a profound analysis.

"The big Data age, data is the core asset, can profoundly affect the business model of the enterprise, and even reconstruct its culture and organization, if you can not use large data analysis information and make a decision, all traditional product companies can only become a new user platform-level company dependencies, the decline is not management can be reversed. ”

Looking at the development of Peer-to-peer industry, the platform in the experience of brutal growth at the same time the mixed: on the one hand, it broadens the investment channel of investors, solves the financing problem of small micro-enterprises, stimulates the market economy and promotes the reform of traditional financial institutions. On the other hand, peer-to-peer industry pulled up the cost of borrowing, and in the "three without" mode of chaos frequency out And even suspected of illegal fund-raising.

It is not difficult to see, Peer-to-peer is the biggest reason for the controversy is no regulations, so the platform volume of running, poor management of the collapse of the situation, investors in the enjoyment of high income at the same time also bear the high risk of pressure, peer-to-peer risk control has become a large number of investors and practitioners the most concerned about Qianzhibin that the combination of peer-to-peer and large data is imperative, "data quantification, openness, transparency is the peer-to-peer industry to reduce operating costs, enhance the safety of enterprises, to ensure the healthy development of the basis of the industry." ”

The emergence of large data technology has brought new changes to the wind control of peer-to-peer industry. At present, some platforms have pioneered the introduction of large data to judge the customer's credit, through the daily life of borrowers and social data, such as monthly income of borrowers, consumption amount, distribution of consumer spending, to infer the actual financial situation of borrowers, and significantly increase the borrower's default costs so as to warn borrowers to comply with the rules, Regular repayment.

However, the platform for the transfer of large data technology into the Peer-to-peer wind control, and then judge the borrower's credit is still in the minority. Because to Peer-to-peer, the loan is a kind of low-frequency behavior, even if obtain the customer's information, still need to have enough ability to distinguish and calculate, so realize this technology needs the platform to have certain qualifications. There are still a lot of platforms that can't do that.

For some qualified platforms, large data technology makes these platforms more powerful. For example, love Investment network of its own operating team has many years of risk control experience, they will be large data technology into the wind control, the borrower's risk to establish a seven audit review system, not only through professional technology and equipment to judge the authenticity of financing customers to submit information, but also to the customer submitted to the real estate, car production, The business enterprise and the key assets carry on the field inspection, the final comprehensive On-the-spot investigation data and the multi-party audit report, and unifies the customer to submit the information and the overall qualification, the judgment final audit result and the credit line, the biggest degree reduced the financing risk, guaranteed the Investor Fund security.

"is in the development period of peer-to-peer industry needs to combine the characteristics of large data age, innovation and explore a new industry integration development model, and strive to build a sustainable, healthy peer-to-peer industry chain." "Qianzhibin said that the big data is a kind of innovative technology, Peer-to-peer is the innovation of finance, the two need a process of running-in, Peer-to-peer platform at present only to constantly carry out the cultivation of internal strength, in order to meet the new challenges of the big Data Age!"