Financial technology start-ups are creating newmodels of lending. They mine streams of digital datawith clever software to calculate creditworthinessinstead of relying on a person’s credit history, themain ingredient in traditional credit scoring.
一些面向金融领域的科技初创公司正在推出新的贷款模式。它们用智能软件挖掘电子数据流来计算信誉,而不是像传统的信用评分那样,以个人的信用记录为基础。
So far, the new breed of big data lenders hasfocused on niche markets — recent collegegraduates, immigrants and payday borrowers —where people often have scant or inconsistent repayment records, and the conventionalmath of risk analysis stumbles.
目前已经有一帮新生的“大数据放款机构专注于在利基市场上——刚毕业的大学生、移民和发薪日借款人。这类人的还款记录往往很少,或者不连贯,使用传统的风险分析数学手段效果不佳。
ZestFinance, a pioneer in the field, is moving into a huge market where credit histories arescarce: China.
ZestFinance是这个领域的先驱之一,目前正步入一个信用记录稀少的庞大市场:中国。
ZestFinance and JD.com, a Chinese online retail giant, are announcing a joint venture toprovide a consumer credit scoring service in China. The venture, JD-ZestFinance Gaia, willinitially be used to assess credit risk and offer installment loans for purchases on JD.com,which has 100 million active customers and generates yearly revenue of $20 billion. Theventure intends to eventually offer the credit-analysis service to corporate customersthroughout China.
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2020-09-15
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