然而,一些公共政策专家认为,人们对贷款新模式的热情跑在了证据的前面。阿隆·里克(Aaron Riek)称,大数据信用技术的准确性和公正性尚未经过证实。里克曾在联邦贸易委员会(Federal Trade Commission)任律师,目前是政策咨询公司Upturn的技术项目总监,去年参与撰写了福特基金会(Ford Foundation)赞助的一份报告。该报告将ZestFinance称为大数据贷款审批领域的一个典型,采用“非主流的替代性信用评分模型。
But JD.com sought out ZestFinance, tested its technology and came away impressed. Last fall,Chen Shengqiang, chief executive of the Chinese company’s finance unit, visited theZestFinance offices in Los Angeles and spoke to Mr. Merrill and members of his team. Soonafter, Mr. Merrill traveled to the Chinese company’s headquarters in Beijing to work on settingup a test of ZestFinance’s technology, working with JD.com data.
但是京东找到了ZestFinance,测试了它的技术,并对它印象深刻。去年秋天,京东金融集团的首席执行官陈胜强参观了ZestFinance位于洛杉矶的办公室,并与梅里尔及其团队的成员进行交谈。不久后,梅里尔前往北京的京东总部,用该公司的数据对ZestFinance的技术进行了一次测试。
ZestFinance, founded in 2009, began making loans itself and underwriting loans made bylending partners in 2010. In the United States, ZestFinance has focused its risk analysis oninstallment loans that are a lower-cost alternative to payday loans. Those borrowers are in thesubprime market, and typically have experienced a credit setback in the past, like a personalbankruptcy.
【美国大数据公司联手京东做信用评估】相关文章:
★ 沙特大幅减产石油
最新
2020-09-15
2020-09-15
2020-09-15
2020-09-15
2020-09-15
2020-09-15