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玖富金增笑做客北大论坛:银行与金融科技融合是大势所趋

2018-07-20 07:07:00 中国网 分享
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  4月29日,北京大学中小银行与金融科技企业生态合作论坛在京举行,北京大学经济学院院长孙祁祥教授、金融时报社社长邢早忠出席并致辞。玖富集团消费金融副总裁金增笑受邀参加,以金融科技从业者身份,从数据、科技等角度分享了中小银行风控创新的经验与心得。

  据了解,此次论坛同时邀请了国家互联网金融安全技术专家委员会秘书长吴震、中央财经大学金融法研究所所长黄震教授等近二十位知名专家学者、众多银行高管、金融科技企业高管,与现场300多位观众齐聚北大,一同就中小银行金融科技创新与生态合作话题进行探讨。

  随着我国经济改革、金融改革的不断升级,金融科技创新在我国发展快速,金融科技企业在支持实体经济发展、促进消费中扮演的角色越来越重要。在大数据、云计算、人工智能、区块链等创新技术的推动下,传统金融机构和金融科技企业的融合创新已是大势所趋,以服务中小企业为主的中小银行与金融科技企业的生态合作是当前金融领域的热点之一。

  玖富集团消费金融副总裁金增笑分享了欧美银行与金融科技企业在精准营销、资金合作、商户管理、战略投资、云平台等领域的合作。金增笑表示,数据是目前金融业风控的核心要素,特别是在当前的互联网时代下,中小银行在放贷做业务的同时,离不开强大的数据收集和挖掘能力,无数据不风控是当前行业铁律。

  但中小银行在推行无抵押贷款的时候是比较困难的。不仅需要搭建核心系统、风控团队,所花费的时间成本也是非常大的。而金融科技公司在成本上更具有优势,因此中小银行与金融科技企业的联合是让信用“更便宜”的关键,它让普通家庭享受更能承受的信用借款。玖富旗下玖富万卡正是这一时代下信用借款的快车道代表。

  得益于玖富集团的支持,玖富万卡得以深入布局在3C消费、租房、二手车交易、医疗美容以及婚恋服务等领域之中,实现跨场景的金融数据累积。通过十年的点滴累积,玖富已经聚集超过3600万用户、促成上亿笔交易,再加上用户主动授权数据以及第三方合作数据,风控基础数据类型可谓丰富。

  配合数据建模分析,玖富独立开发了“火眼分”,为玖富万卡等产品的风控提供支持。火眼分也因此成为万卡的灵魂,对于用户信用好坏的评判、激励通过火眼分来表征,火眼分可谓是真正的数据科技产物。

  据了解,上线不过数月的玖富万卡,其注册用户已经达到数十万,并且保持了较高的活跃度。在场景、数据和科技支撑下,万卡的快速发展在意料之中。在互金下半场,草根创业者的机会越来越渺小,能够幸存下来的,更多的是万卡这种具备优势资源支撑的强势产品。

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