WeLab信用评估技术的有效性已在香港得到证明,因此该公司正将业务扩大到中国内地。该公司在内地的网站“我来贷(wolaidai.com)是基于P2P模式,为小额贷款人和小额借款人牵线搭桥,这将WeLab的出资承诺限定在了内地的400亿美元无监管在线借贷市场。尽管如此,该公司仍坚持严格的风险评估,以确保能够健康发展。龙沛智表示:“如果个人贷款者搞砸了,这个平台也会完蛋。
In order to test its credit assessment technology on a homogeneous group, Wolaidai limitedits initial foray to student loans of no more than Rmb6,000 (about $965). One advantage ofthis group, says Mr Loong, is that the students have “a lot of data online; a maximum 12-month term also ensured that repayment became due before graduation.
为了测试其针对某一同质群体的信用评估技术,“我来贷将最初的业务限定为助学贷款,每笔最多6000元人民币(约合965美元)。龙沛智表示,这个群体的一大优势是,学生们有“大量的在线数据;最长12个月的还款期限也确保了学生毕业前要还清贷款。
Starting in Guangdong, Wolaidai has now expanded beyond students, and Mr Loong expectsthe China loan book to surpass that of Hong Kong within months. About 70 of the company’s100 staff are in Chinese mainland, with the rest in Hong Kong and India.
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