China’s online credit market will face explosive growth this year, or over trillion yuan-www.yn111.net

Chinese online credit market will usher in the outbreak of this year growth in size or super trillion yuan Chinese online credit market will usher in the outbreak of this year growth in size or super trillion yuan – reporter Liu Qi the day before, China online credit union OLA the first salon held in Beijing, more than 20 Internet financial company executives from the United States and China’s online credit business in the Chinese development and the future of Pathfinder discussion. Participating companies believe that online credit is more likely to grow in China than in the United states. With the diversification of participants, the maturity of technology and the improvement of the ecological system, China’s online credit market will grow in 2016, and the scale will be more than one trillion yuan. Online credit refers to online access to borrowers, online approval, online lending. In recent years, with the rapid development of Internet banking, online credit has become the focus of small loans, banks, Consumer Finance Companies and P2P are competing to launch related products and services, at the same time, including credit institutions, technology providers, data collection agencies, the development of related industries, comprehensive service platform, is also very quickly. "China’s online credit market is like a vast, primitive west." Lisa McGreevy, chairman and CEO of Online Lenders Alliance OLA, says that online credit in China is more likely to grow in space than in the United states. Rong 360 CEO Ye Daqing also believes that the U.S. interest rate market in the middle of 80s, to encourage financial innovation, China is experiencing a similar period. He judged that China will usher in the golden age of the consumer financial industry for ten years, and then overlay the trend of mobile Internet and big data, so the online credit will usher in an outbreak, or will be more than trillions of scale in recent years. In the past 4 years, only 3 trillion loans on the platform of 360 yuan, approved 300 billion yuan. This figure is expected to have a bigger increase this year. "Online credit is the future of China’s Inclusive Finance and Internet banking, and its development will benefit everyone."." Ye Daqing believes that the development of online credit will allow those who can not be covered by traditional finance, including students, farmers, the elderly and blue collar workers, including a large group of people can fully enjoy the convenience of modern finance, to achieve true inclusive finance. For lenders, compared with the traditional line of business, online credit has obvious advantages: one is according to the online database rapid positioning of the customer demand, and promote the individual products; two is to quickly through the analysis of large data model, strengthen risk control; three is to save the cost of the line outlets, improve conversion the rate is four; the data mode of operation, reduce the moral risk. But at the same time, online lending must also achieve two breakthroughs in order to be widely used: first, must solve the interactive technical problems, to protect the user experience; two is the risk control to pass, because convenience will also cause lower default costs. Due to the "three parents" requirements of domestic credit supervision, there are congenital advantages under the line. "In the long run, lending to the Internet is an inevitable trend. With the user theory

中国在线信贷市场将迎爆发增长 今年规模或超万亿元   中国在线信贷市场将迎爆发增长 今年规模或超万亿元   ■本报记者 刘 琪   日前,中国在线信贷联盟OLA首期沙龙活动在北京举行,来自中、美两国的20多位互联网金融公司高管就在线信贷业务在中国的开展及未来进行了探路式讨论。参与企业认为,相比美国,在线信贷在中国的发展空间更加巨大。随着参与主体的多元化、技术的成熟以及生态系统的完善,中国的在线信贷市场将在2016年爆发增长,规模或将超过万亿元。   所谓在线信贷,是指在线获取借款人、在线审批、在线放款。近年来,随着互联网金融的飞速发展,在线信贷更成为近来的焦点,银行、小贷、消费金融公司及P2P都争相推出相关产品和服务,同时,包括征信机构、技术提供商、数据方、催收机构、综合服务平台在内的相关行业发展也十分迅速。   “中国的在线信贷市场就像一个广阔而原始的西部。”美国在线信贷自律组织OLA(Online Lenders Alliance)董事长兼首席执行官Lisa McGreevy表示,相比美国,在线信贷在中国的发展空间更加巨大。   融360 CEO叶大清也认为,美国八十年代中期利率市场化,鼓励金融创新,中国正在经历类似的时期。他判断中国会迎来消费金融行业的黄金十年,再叠加移动互联网和大数据趋势,因此在线信贷将迎来一个爆发,或将在近年超过万亿规模。在过去4年,仅在融360平台上的贷款申请超过3万亿元,获批3000亿元。这个数字预计在今年将有更大幅度的增长。   “在线信贷是中国普惠金融和互联网金融的未来,它的发展将惠及每个人。”叶大清认为,在线信贷的发展将让那些无法被传统金融覆盖的人群,包括学生、农民、老人和蓝领工人在内的庞大群体都能够充分享受现代金融的便利,实现真正的普惠金融。   对于放贷机构来说,与传统线下业务相比,在线信贷优点明显:一是可根据在线数据库快速对客户需求进行定位,并推介符合其个性化的产品;二是在能够通过大数据进行快速模型分析,加强风控;三是节省线下网点成本,提高转化率;四是数据模式运作,减少道德风险。但同时在线借贷也必须实现两个突破才能广泛应用:一是必须解决交互技术问题,保障用户的体验;二是风控要过关,因为便利同时会造成违约成本较低的问题。   由于国内信贷监管的“三亲”要求,目前线下有先天优势。“从长远来看,借贷转移到线上是必然趋势。随着用户转移到互联网和移动互联网上,线下的方式将遭遇变革”,马上消费金融首席数据官刘志军认为。 进入【新浪财经股吧】讨论相关的主题文章: