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  • 网贷平台备案前新一期评级发布 玖富普惠稳居第一梯队原创派

    北方IT网 / 新媒体砖家 / 2018-01-26 18:05
    按照P2P网络借贷风险专项整治工作领导小组办公室下发的《关于做好P2P网络借贷风险专项整治整改验收工作的通知》(以下简称“《通知》”),要求各地在2018年4月底之前完成...

    文/新媒体砖家 北方IT网

    2018年,对于所有的网贷平台而言,完成备案成为第一要务。

    按照P2P网络借贷风险专项整治工作领导小组办公室下发的《关于做好P2P网络借贷风险专项整治整改验收工作的通知》(以下简称“《通知》”),要求各地在2018年4月底之前完成辖内主要P2P机构的备案登记工作,6月底之前全部完成。

    终极大考步步临近,但目前平台整改仍难言乐观,预计首批备案平台或不超过400家。目前,北京有500多家平台拿到备案整改通知书,预计首批备案在100家以内。

    图片1

    能够率先拿到备案的一百家平台,不得不说,一定是网贷平台中的佼佼者,但究竟哪些平台能够完成备案,目前仍不得而知。不过就在前两天,融360联合人民大学发布了2018年新一期的网贷评级报告,从中不难看出,第一梯队的A级平台阵容一直相对稳定,陆金服,宜人贷,拍拍贷,玖富普惠,人人贷,微贷网赫然在列。在此前的评级中也不难发现,陆金服、玖富普惠、宜人贷等也是评级榜单前列的常客。

    融入骨髓的风控理念:功夫用在平时,长存“慎独”之心

    随着强监管的来临,玖富普惠并未自乱阵脚,而是游刃有余。这靠的不是临时抱佛脚,而是自成立之初,便严苛要求自己,长存“慎独”之心,自创立以来,玖富普惠便将风控融入进了骨髓。

    风控作为互金行业的生命线,玖富普惠对此不断加码“黑科技”,利用新技术为投资人保驾护航。

    在丰富场景和海量数据的基础上,玖富打造了以“火眼分”为核心的决策引擎和彩虹评级风控体系,通过对用户多个维度的数据进行综合判断,得出最终评估结果。这套风控系统自推出以来已经历过多次迭代,覆盖千万级用户,实践水平不言而喻。

    对于玖富普惠而言,风控不再是一个简单的词,而是一个有生命周期的“闭环”。风控过程中更应该注重用户管理,发掘用户长期信用价值。从获客、决策、到用户运营、客户价值的提升、以及到客户的催收——风控不再是简单的放款回款,而是在完整地维护一个客户的生命周期,玖富普惠致力于打造“场景+数据”风控闭环。

    技术与场景结合更能解决实际中的问题,目前火眼分根据实际的适用场景,使用了一些机器学习方面的技术,基于知识图谱的反欺诈的手段是非常重要的一个事情。玖富普惠正在通过消费分期等服务,拉动消费,支持国家实体经济发展,风控就是保证其健康发展的生命线。两者之间应但是相辅相成的,既不能故步自封,更不能不顾风控只追求规模,扎实的风控也促使玖富普惠相关业务健康、快速发展。

    出借人选择玖富普惠,恰恰是看中了玖富普惠在金融科技领域的积淀。在普惠式服务发展日益迅速的今天,强大的金融科技能力不仅仅可以降低平台风险,而且对于提升效率,提高利润有着极为重要的作用。

    玖富普惠的“合规进程”:稳健发展 砥砺前行

    作为一家积极响应监管政策的网络借贷信息中介服务平台,玖富普惠成立至今,一直坚持小额普惠原则:一方面立足消费场景,服务大众,解决他们迫切的融资需求;另一方面通过互联网技术,为出借人提供稳健、高效的投资撮合服务。

    2015年6月,玖富普惠成为北京市网贷行业协会的观察员,对接了产品登记系统和信息披露系统,接受行业自律。在过去的一年中,玖富普惠不断强化信息披露。2016年8月 ,接入中国互联网金融风险技术分析平台;2017年6月,接入中国互联网金融协会信批服务平台;2017年6月,接入中国电子商务协会风险信息共享系统。

    8月21日,玖富普惠发布公告,正式上线资金存管,历史存量和未来新增业务将全部经过存管系统。此前玖富普惠对于用户资金安全的保障体系已覆盖多个维度,银行资金存管的引入,使得安全保障体系再度加码,建立起包含资金存管机制、仲裁机制、智能风控等多维度安全保障体系。

    数年以来,玖富积极拥抱监管政策,稳健发展,砥砺前行,不断的加强合规建设,提高整体运营水平,迎接新一轮的发展机遇。

    正如玖富创始人兼CEO孙雷所表示的:“欲求木之长者,必固其根本;欲流之远者,必浚其泉源。”未来玖富普惠将在合规经营的基础上,继续放大互联网优势,深度创新,并以更加稳健的态势在“数据驱动”时代为用户带来更方便快捷的金融服务,让用户享受数字金融时代带来的财富体验。

    监管备案后时代:进一步释放“乘数效应”

    过去几年,随着大量创业者和资本的涌入,金融科技的容量增大的同时,也存在良莠不齐的的现象。随着时间的推移,金融科技行业逐渐出现分化,弱者逐步被淘汰出局,强者连续获得资本市场的青睐。行业发展提速以及监管落实,正在让行业分化加大。从2016年8月24日网贷行业的监管办法出台之后,行业就结束了野蛮增长,逐渐进入了优胜劣汰阶段。这段时间内,合规成为了行业主旋律,稳健则成为了投资人的理财关键词。

    在经历了一年的无序竞争和监管趋严之后,互联网金融行业作为中国金融业的新生力量,逐渐步入了有轨阶段,回归于理性,回归金融本质,并迈向了新的一年,也预示着互联网金融的下半场比赛拉开了帷幕。

    这让玖富这样具备技术实力与创新能力的公司脱颖而出。要知道,玖富集团已经稳健运营近12年,用户规模庞大,超过5300万,同时大数据与AI技术积淀雄厚,以科技为驱动,以场景为基础,不断推动科技创新与技术落地,也因此成为了资本方与投资人群体追捧的对象。

    随着监管政策的深度落地,对于取得“高分”的互金平台而言,将是新一轮的发展机遇,进入良币驱逐劣币时代。备案政策对于玖富而言更多的一展雄风的绝佳舞台,将进一步释放“乘数效应”,引领互联网金融行业步入规范化、专业化的黄金时代。



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