To develop a good P2P (online loan) system, these three aspects should be considered: IT system, big data credit investigation, and Internet financial business integration.

IT system development:

1. What business problems does the platform hope to solve? Effective and applicable IT systems, as well as the lack of funds and technical teams, can quickly use the industry's first-class solution system, including credit full life cycle process management from business development, application approval, application anti-fraud, accounting management, collection management, etc., and Not just a P2P template.

2. How does the platform achieve a leading position in system technology architecture? The platform can flexibly and quickly configure business processes, risk control strategies and interest calculation parameters for different institutions and products, and quickly support new business release management. SMG3 is an enterprise-level unified decision-making management platform for business users. The domestic Shenzhourong big data risk control platform applies the platform design concept platform implemented by the decision-making engine tool ExperianSMG3 to implement models and strategies at each stage of the entire credit life cycle. Management and optimization adjustments, such as credit approval before loan, account strategy management during loan, etc.

3. What are the unique functions and advantages of the platform over similar products? Implement the quantitative decision-making application of the entire credit life cycle process, improve the level of system automation operation, reduce personnel investment and improve operational efficiency; unique P2P industry interest parameter calculation and flexible adjustment, as well as a wide range of third-party payments and external multiple funding channels Interface; powerful collection management capabilities, covering various collection management modes such as electronic collection, store, outsourcing, legal collection and write-off, and equipped with automatic decision-making and optimization capabilities for collection division and action path setting, effectively improving Collection operation efficiency and cost savings; real-time and efficient big data credit reporting and anti-fraud means, integrated input of information and data comparable to the People's Bank of China's credit report, and multiple means and channels to support anti-fraud management.

Big data credit investigation:

1. Are you facing confusion about data credit investigation? Unable to access the People's Bank of China credit report; I hope to have a lot of data, but don't know where the data is; the cost of access is high and it is impossible to form a unified customer view; how to deeply mine and apply the data.

2. Confused about credit reporting agencies and data sources? Credit reporting licenses and business openings are limited and cannot be publicly promoted and applied on a large scale; data is sensitive, and there are concerns about leakage and data security, how to use it safely and within a controllable range; they are all small institutions, and the cost of connection is high, and many do not have IT infrastructure; how to form a closed loop Information feedback, building and optimizing credit scoring models.

3. Risk control personnel’s confusion, what’s the solution? Without data, it is impossible for a skilled woman to make a meal without straw

Customers cannot understand and verify the model, and cannot achieve sustainable operations and monetization; connect different data sources, and manage the credit inquiry service process with user authorization and full credibility It realizes data query, integration, and mining applications, and forms a good data feedback mechanism, allowing data to be transferred and applied in a safe and controllable platform.

Internet financial business integration:

1. How to achieve business innovation? No product innovation capabilities; no network data analysis and mining capabilities, especially the application of non-institutional data; regional operations cannot be connected to the national Internet platform; how to realize asset securitization ABS; how to obtain low-cost funds;

2. How does the platform provide financial services? Financial business is a higher-yield traffic monetization capability than advertising, and is of great significance for improving platform customer service and promoting transactions; without a financial license and abundant low-cost funds, there are no professional financial talents and technical teams; without an offline landing team, there is no way Break through offline interviews and verifications.

3. How to find credible assets? How to break through the reliance on evaluation of financial institutions instead of asset evaluation? How to achieve rating classification and differentiated pricing of asset packages; how to directly connect with borrowers’ contracts and change over-reliance on financial institutions.

4. What is the solution for platform Internet services? Cooperate with Internet platforms to develop credit products for standardized vertical scenarios, help Internet platforms achieve traffic conversion, and help financial institutions achieve product innovation and customer innovation.

At present, online merchant loans, POS loans, online consumer loans, etc. have been developed and have been promoted and applied nationwide by many financial institutions. The Shenzhourong big data risk control platform can be used to achieve transparent, credible and quantifiable assessment of the asset securitization process. Chinarong is positioned to help financial institutions and online platforms, financial institutions and financial management platforms provide credit asset transaction matching services.