What data does the online loan model use?
1. Borrower information: basic information, occupation, income and credit history of the borrower;
2. Repayment: the borrower's repayment situation, including repayment time, repayment amount, whether to repay on time, etc.
3. Economic indicators: economic indicators, including national economic growth rate, inflation rate, interest rate, etc. ;
4. Market parameters: market parameters, including the degree of competition in the loan market and the level of loan interest rates;
5. Laws and regulations: government policies, laws and regulations, etc.
6. Social environment: Social environment, including social stability and political stability.
What is the development trend of the Internet?
Judging from the current situation, "Internet" is in the primary stage, which is a theoretical stage that everyone is talking about but has not implemented. Various fields will do some argumentation and exploration on "Internet", but most businesses will still be in the wait-and-see stage. From the perspective of exploration and practice, online merchants are more active than traditional enterprises. After all, these businesses have been using the Internet to change more industries since their birth. They have enough experience to follow, they can transform their experience model to explore other fields, and then continue to integrate more fields and continue to expand their own ecology. What is really difficult to transform the Internet is those very traditional industries, but this does not mean that traditional enterprises do not try to use the Internet. In the past few years, many traditional enterprises have begun to try Internet marketing, mostly by means of B2B, B2C and other e-commerce platforms to achieve the expansion of network channels. More offline enterprises are still in the stage of information promotion and publicity, and even won't, dare or dare to try the marketing of online transactions because they can't find a suitable solution to the conflict between offline channels and online channels. There are also some merchants who build their own shopping malls, but there are not many successes. Businesses that create their own brands such as clothing and snacks and sell and operate through e-commerce platforms have explored an e-commerce road.
Total number of Internet consumer credit platforms in 2022
More than six thousand. According to the data released by the People's Bank of China, by the third quarter of 2022, there will be more than 6,000 Internet consumer credit platforms nationwide, 399 fewer than in 20021year. The People's Bank of China, the central bank for short, is the central bank of People's Republic of China (PRC), which is composed of People's Republic of China (PRC) and the State Council. Under the leadership of the State Council, formulate and implement monetary policies, prevent and resolve financial risks, and maintain financial stability.
Strictly check! The central bank issued a notice: find out that online consumer loans flow into the property market.
On July 28th, 2 1 Century Business Herald reporter learned that the central bank recently issued an investigation notice to major banks to find out the situation of online consumer loans flowing into the property market.
A senior banking insider said that the rule was issued by the Survey and Statistics Department to find out the scale of online consumer loans, including the scale of joint loans with ant group's flower buds and loan buds, credit card loans and internet loans.
"(The central bank notice) is not to introduce new regulatory regulations, but to find out how many online consumer loans have flowed into the property market." The above-mentioned person said.
Still strictly investigate the illegal inflow of funds into the property market.
"(The central bank notice) is not to introduce new regulatory regulations, but to find out how many online consumer loans have flowed into the property market." The above-mentioned person said.
On July 28th, a number of bankers revealed to the reporter of 2 1 Century Business Herald that they had received the Emergency Notice of the People's Bank of China on the Investigation of Online Joint Consumer Loans. The "Notice" shows that the scale and proportion of joint loans have not been limited. At present, only the relevant information of consumer joint loan business is counted from banks. For the statistical data that the central bank requires banks to report, including the scale of online joint consumer loans and the weighted average interest rate of online joint consumer loans, the balance, non-performing rate, average interest rate and non-performing rate of consumer loans cooperated by ant flower buds and ant borrowing buds are particularly distinguished, as well as the non-performing rate of credit card overdraft.
Previously, regulators have taken a number of measures to strictly control the illegal inflow of funds into the property market. Since April this year, Shenzhen and other places have also been urgently investigating the illegal inflow of operating loan funds into the real estate market, including the newly issued housing mortgage operating loans (including borrowers who are enterprises or individuals) this year, including before, during and after the loan.
A person from a large bank in Shenzhen said that the regulator had entered the market several months ago to check the flow of mortgage loans into the property market and "check all new loans. It used cross-bank capital flow verification, even penetrated three times, and the means were very strict. "
On July 24th just past, the real estate work forum continued to emphasize the orientation of "no speculators", pointing out that "it is necessary to implement the prudent management system of real estate finance, stabilize the stock, strictly control the increment, and prevent funds from illegally flowing into the real estate market."
Earlier, the China Banking Regulatory Commission just released new regulations on Internet loans. On July 17, China Banking Regulatory Commission officially promulgated the Interim Measures for the Administration of Online Loans of Commercial Banks, requiring that the credit line of personal credit loans used by a single household for consumption should not exceed RMB 200,000, and the credit period should not exceed 1 year if the principal is repaid in one lump sum.
How big is the scale of online consumer loans?
The problem is that there is no exact statistical data on the scale of online consumer loans (online loans), and the market can only estimate that the scale is above one trillion.
Generally speaking, the traditional statistical caliber of the central bank and the China Banking Regulatory Commission does not include this item. "Supervision still needs to be penetrated to see the final flow of online loan consumption." The above-mentioned insiders said.
265438+20th Century Business Herald dismantled the credit aggregation model of Internet loans. In the online loan industry chain, the current popular gameplay is the "credit aggregation model", that is, financial technology institutions such as Ant Financial, Ping An Pratt & Whitney, Du Xiaoman Finance, Weizhong Bank or Wang Xin Bank take the lead or match, and introduce big data risk control, guarantee and credit enhancement, and banks to help loans or jointly help loans.
According to the new regulations of CBRC on online lending, online lending funds shall not be used for real estate.
The specific requirement is that the loan funds should be used clearly and legally, and should not be used to invest in real estate, stocks, bonds, futures, financial derivatives and asset management products, and should not be used to invest in fixed assets and equity.
In addition, the new regulations require online loan statistics. Regulators should supervise and inspect the Internet loans of commercial banks, establish a data statistics and monitoring mechanism, put forward prudential supervision requirements according to factors such as business management and risk level of commercial banks, and strictly observe the risk bottom line.
What is the development prospect of China Consumer Finance Company?
With the development of online shopping scene, consumer finance began to set foot in the field of e-commerce. In view of the price factors that consumers are most concerned about, we will introduce products such as installment payment and 30-day interest-free payment to disperse consumers' shopping pressure and increase consumption, especially in the middle and high-end consumption. In addition to reducing the shopping pressure of consumers, consumer finance can also help e-commerce companies and businesses to carry out commodity marketing. Attract users through preferential payment conditions, and realize user drainage and commodity shopping guide. For example, according to the industry and crowd characteristics of e-commerce platform, specific marketing activities are launched, and users can participate in activities or get price concessions, or get consumption points of e-commerce platform and Internet consumer finance platform. This marketing activity can not only drain and guide shopping, but also enhance user stickiness.
The application of Internet consumer finance in the field of e-commerce is currently in the process of credit accumulation. After data precipitation is realized in the future, it will become a general trend to provide more value-added services beyond products based on credit data of personal accounts.
Scale of Consumer Credit Market in China
According to the data of Prospective Industry Research Institute, the balance of RMB credit in China reached 93.6 trillion in 20 15 years, up by14.9% year-on-year; In the same period, the balance of consumer credit reached 19.0 trillion, a year-on-year increase of 23.3%. In recent years, the growth rate of consumer credit balance is significantly higher than that of RMB credit balance. It is predicted that in 20 19, the balance of consumer credit will account for a quarter of the total balance of RMB credit and become the backbone of economic growth. In the context of the rapid growth of consumer credit, the Internet consumer finance market will also usher in rapid growth.
The scale of Internet consumer finance transactions
2065 438+03-2065 438+04, China's Internet consumer finance market is in the early stage of development, with e-commerce enterprises, online payment enterprises and P2P credit enterprises joining in one after another. At the same time, traditional Internet finance companies are also trying hard in the Internet field. According to the data of "Analysis Report on Market Foresight and Investment Strategic Planning of Consumer Finance Industry" issued by Forward-looking Industry Research Institute, in 20 13, the transaction scale of China Internet consumer finance market reached 6 billion yuan; With the arrival of JD.COM and Tmall, the transaction scale in 20 14 years exceeded183.2 billion yuan, with a growth rate of over 200%. In 20 15 years, the overall market exceeded 1000 billion. It is predicted that in the next few years, the scale of China's Internet consumer finance transactions will continue to grow at a high speed, reaching 3.398 trillion yuan by 20 19.
The scale of Internet consumer finance transactions
2065 438+03-2065 438+04, China's Internet consumer finance market is in the early stage of development, with e-commerce enterprises, online payment enterprises and P2P credit enterprises joining in one after another. At the same time, traditional Internet finance companies are also trying hard in the Internet field. According to the data of "Analysis Report on Market Foresight and Investment Strategic Planning of Consumer Finance Industry" issued by Forward-looking Industry Research Institute, in 20 13, the transaction scale of China Internet consumer finance market reached 6 billion yuan; With the arrival of JD.COM and Tmall, the transaction scale in 20 14 years exceeded183.2 billion yuan, with a growth rate of over 200%. In 20 15 years, the overall market exceeded 1000 billion. It is predicted that in the next few years, the scale of China's Internet consumer finance transactions will continue to grow at a high speed, reaching 3.398 trillion yuan by 20 19.
Policy support for consumer finance has been continuously strengthened.
Support for consumer finance is increasing. From targeted business support for financial institutions to comprehensive support for the entire consumer finance industry. The CBRC has liberalized the geographical and quantitative restrictions on the approval of consumer finance companies, approved one mature company and actively promoted the normalization of the establishment of consumer finance companies.
Consumer scenes are increasingly rich, and Internet channels reach customers directly.
First of all, e-commerce has changed the shopping habits of the public, and the convenience of consumption channels has stimulated the demand for small and high-frequency shopping. Secondly, the popularity of the mobile Internet extends the traffic competition of the Internet from online to offline. Offline consumption scenarios include 3C products, electric vehicles, medical beauty, renting houses, training and education, and tourism.
With the rapid development of China's Internet consumer finance, regulatory policies will be gradually introduced and the industry will be rectified. With the deepening and strengthening of regulatory policies, Internet consumer finance will be divided into two levels, and non-compliant platforms will gradually withdraw from the market. The legal and compliant platform will focus on financial technology, promote institutional development, and strengthen risk control and pricing capabilities. In the future, consumer finance companies licensed on the basis of scenario, data and risk control will promote the rapid growth of consumer finance market, bring users a beautiful consumer experience and create unlimited value for society.
How does the government manage Alipay's lending?
Strictly limit the loan balance of the same borrower and the total business scale of college students' internet consumption loans.
For example, the operating companies behind Alipay's loan products are Chongqing Ant Shangcheng Co., Ltd. and Chongqing Ant Xiao Wei Co., Ltd., and it is not allowed to lend money to college students. The circular stipulates that all banking financial institutions can develop targeted and differentiated Internet consumer credit products under the premise of controllable risks, strictly limit the loan balance of the same borrower and the total scale of college students' Internet consumer loan business, strengthen product marketing management, strictly review the qualifications of college students and improve asset quality.