www射-国产免费一级-欧美福利-亚洲成人福利-成人一区在线观看-亚州成人

US EUROPE AFRICA ASIA 中文
Business / Industries

China's P2P lending sector faces risk control challenges

By Cai Xiao and Zhang Min (China Daily) Updated: 2016-06-29 10:00

China's P2P lending sector faces risk control challenges
Information technologies and innovation are not only reshaping the landscape of manufacturing but changing the roadmap of the virtual financial sector.

By adopting big-data technologies, Chinese internet financing companies, better known as P2P (peer-to-peer) lenders, offer much-needed liquidity to small and medium-sized enterprises, although risk control remains a challenge.

Big data can be deployed and analyzed for insights that better connect liquidity-starved firms to prospective lenders, therefore enabling better decision-making in business strategies.

"As traditional financial institutions can not cover a large amount of clients (micro and small enterprises), internet financial companies adopting new technologies such as big data can play an important role in offering them the much-needed financial services," said Ba Shusong, chief economist at the China Banking Association.

China has 19 million micro and small enterprises, 78 percent of which are facing difficulties receiving bank loans, according to a report released by Harvard Business Review and CreditEase Corp, a Chinese P2P lending and wealth management company.

"We believe everyone has certain credit and his creditworthiness can be valued. So we are developing big-data technology to help evaluate individuals' creditworthiness," said Tang Ning, CEO of CreditEase.

Joyce Zhang, head of CreditEase's big data innovation center, said that the company collects data from borrowers, cooperative partners, CreditEase's own database and the internet.

Each person's data have to go through risk control assessment. Afterwards, the data "will be analyzed by a financial cloud platform of CreditEase to prompt quicker and more individualized lending decisions", Zhang said.

Li Wenjuan, owner of a brick factory in Gansu province, said her company nearly went bankrupt, and a quick loan from CreditEase helped free her from trouble.

"Now, my business has been good, and because of my good credit records, I can apply for more loans from CreditEase."

Zhejiang Ant Small and Micro Financial Services Group Co, a division of Alibaba Group Holding Ltd once known as Alipay, also aims to build an open platform based on data, technology and trading to serve micro and small enterprises, as well as individuals.

While internet lending firms have become more important, their risk control capabilities remain a challenge.

"We find some internet lending companies set up risk-control models for their clients when the economy is growing fast, so their databases are not mature and may have potential risks," said Ba.

There may be nearly 2,000 Chinese P2P lending companies that may have such potential problems in the near term, according to statistics of P2P Eye, a web portal that tracks the industry.

Hot Topics

Editor's Picks
...
主站蜘蛛池模板: 香蕉97碰碰视频免费 | 亚洲精品天堂自在久久77 | 精品欧美一区二区三区四区 | 亚洲精品亚洲人成在线 | 91精品欧美一区二区三区 | 97国产在线视频 | 欧美一级毛片一级毛片 | 国产乱子伦片免费观看中字 | 国产欧美精品区一区二区三区 | 免费在线观看的毛片 | 91香蕉国产在线观看免费永久 | 国产一级片播放 | 精品日本久久久久久久久久 | 免费大片黄手机在线观看 | 日本成人免费在线观看 | 欧美7777| 99视频在线精品自拍 | 国产一区二区三区四区五区tv | 日本一级特黄在线播放 | 久久综合一本 | 欧美另类在线观看 | 久久久久久综合对白国产 | 色偷偷88欧美精品久久久 | 一级特级欧美aaaaa毛片 | 自拍偷拍亚洲区 | 亚洲久久网 | 久草网视频在线观看 | a毛片免费在线观看 | 久草新在线观看 | 国产亚洲福利精品一区二区 | 黄视频在线免费看 | 在线三级网址 | 久久99精品久久久久久野外 | 精品视频一区二区三区免费 | 精品理论片一区二区三区 | 日韩成人免费在线视频 | 欧美一级毛片特黄大 | 视频精品一区二区 | 中国国语毛片免费观看视频 | 欧美做爱毛片 | 久久99国产亚洲精品 |