So I especially want to solve this mystery. I'm sure you're curious about how your loan interest rate is priced.
The above is the only official answer I can find online. But this answer is basically a p, so don't say it when you say it. So we must find another way out.
In June 5438+10, I asked my fans to help me fill out a questionnaire about the interest rate of borrowing money, but I still analyzed something.
In this questionnaire, we designed 10 questions:
These 10 questions are designed from the perspectives of credit, whether there is commercial behavior, holding assets, spending power, and trying to deconstruct the lending business model.
I received a total of 343 questionnaires, excluding 6 questionnaires with obvious problems and 337 samples.
Let's make a quantitative analysis with the data of 337 points.
The distribution range of loan interest rate is mostly between 13000- 14000 per day, while others, such as 15000 per day, are higher, which may be due to the sample size, and other conclusions cannot be drawn for the time being.
In other words, if your loan interest rate is less than 30,000 per day, then your interest rate is relatively low. If your loan interest rate is higher than 14 thousand a day, then your interest rate is higher.
Let's do a cross analysis.
Ma Zhi credit and loan
According to conventional business logic, your loan interest rate should be closely related to your credit rating. Theoretically, the higher the credit rating, the lower the loan interest rate should be. Because you are a high-quality customer, customers with higher repayment ability can generally get lower loan interest rates.
The official classification of ants has five grades: these five grades are 700-950 respectively, with excellent credit; 650-700 is Grade II with excellent credit; 600-650 is level 3, with good credit; 550-600 is level 4, with medium credits; 350-550 is five grades, with poor credit.
You can sit down accordingly.
As can be seen from this table, most people's sesame credit is at the officially defined level, and most people are in the range of 750~800.
Let's make a quantitative analysis of people whose sesame credit score is between 650 and 849. From the point of view of mean, mode and median, on the whole, the higher the sesame credit score, the lower the interest rate of ants borrowing.
However, judging from the minimum and maximum times, sesame credit score has no decisive influence on individual borrowing interest rate.
We can draw a conclusion that the interest rate of ant borrowing is multi-conditional, which is related to sesame credit, but it is not a decisive factor.
economic activity
We try to find the pricing of the loan interest rate through business dealings or business activities with Ali Group.
I don't particularly understand what the conditions are for opening online business loans. My original intention of setting this question is to default that you must run a Taobao shop or use Alipay to collect money online, that is, with commercial behavior, ants will open online merchant loans for you, but it seems that I think too much.
There are 34.9% people who have neither Taobao nor Alipay down payment actually have online merchant loans.
The number of people running Taobao stores is too small, so they can only choose to give up this data variable.
Look at whether to open online business loans from the perspective of data. There is no obvious difference in personal interest rates between online business loans and lending treasures, but there may be an upper limit, that is, online business loans will not give you particularly high interest rates.
This conclusion is not mature, which may be caused by insufficient sample size.
Hold assets
The number of assets held by customers in the bank is a very important measure of a commercial bank's evaluation of customer quality, which has a high weight. Let's see if ants are equally sensitive to the assets held by users.
Judging from the average, mode and median, the increase in the number of assets held has a very obvious effect on reducing the loan interest rate. Especially from the median point of view, the more assets held, the lower the lending rate, and the denser the distribution.
However, the amount of assets held is still not the decisive factor of the loan interest rate. The eldest brother with 500,000 assets is still embarrassed by the daily borrowing rate of 1.6 million.
PS: As my fan, is it really worthy of me to buy so many funds on Alipay? Wait a minute. Can't the Tian Tian Fund support me? Don't think I don't know if I don't name a few bosses here, hum!
consumption level
Consumption level is an important criterion to judge whether a customer is a high-quality customer, but it is generally difficult for commercial banks to obtain the consumer behavior of users. Let's see if this indicator is useful in ant system.
Judging from the maximum quantity and average quantity, the more you spend on Taobao, it is indeed one of the standards of quality customers. In particular, the highest borrowing rate has a very obvious maximum threshold.
And the consumption power is similar to sesame credit. For individuals, spending power has no decisive influence on the interest rate of borrowing. The interest rate of borrowing by ants is multi-conditional, which is related to consumption power, but it is not a decisive factor.
A proposal to lower interest rates
Through the data analysis of this questionnaire, some useful information has indeed been obtained.
Although the sample size is insufficient under extreme conditions, many conclusions cannot be drawn, and some conclusions may have sample deviations, but the preliminary conclusions that can be drawn from the overall data are acceptable.
Sesame credit, the amount of assets held by Ant Wealth and the level of shopping consumption in Taobao are all closely and positively related to the loan interest rate.
However, the role orientation has changed from a consumer to an operator, using online merchant loans and Alipay to collect and pay, without weighting the loan interest rate.
Ranked from the importance of factors: Sesame Credit in the number of assets held by Ant Wealth in Taobao shopping consumption level.
But for an individual, if one of the above values is particularly high, you won't get a lower loan interest rate.
So we will see many extreme situations, such as sesame credit exceeding 800, but the loan interest rate exceeding 15 thousand per day; Or buy millions of funds on the wealth of ants and borrow 36 thousand interest.
The interest rate calculation of an individual by ants must be the result of weighted analysis of massive big data, and its judgment standard will be more complicated than that of ordinary commercial banks. This is my personal inference.
If you want to lower your loan interest rate, my personal suggestion is this:
Try to improve your sesame credit and buy a certain amount of assets in ant wealth. According to the existing data, it does not need to exceed 1 ten thousand yuan. As for the spending on Taobao, I think it is dispensable. After all, the price factor of shopping is much higher than the ethereal interest rate weighting law.
postscript
Do you think it is here?
We just discussed the different effects that may cause interest rate weighting, which are also included in the questionnaire.
These three issues were not discussed. Through these three questions, let's try to analyze whether we have used big data to kill interest rates.
What do you mean?
I have always suspected that if you are judged to be able to repay the loan at a high interest rate, in order to obtain high profits, even if your credit rating is getting higher and higher in its database, the interest rate will not decrease or even increase, while your quota is getting higher and higher, encouraging you to borrow more money and ants to earn more interest.
In other words, whether ants will violate common commercial norms, not pay attention to the quality of users, but only pay attention to whether they can get more profits from functions. In view of all kinds of ants before, I can't help but be more skeptical.
After all, I haven't started to vomit yet, and there is an annualized interest of 16 thousand. I was shocked when I first heard it, okay.
The annualized interest rate is 2 1.9%. Such a high interest rate is simply killing people without blinking an eye.