对年轻人信用画像和授信 沪初创互金平台升级服务

东方网记者姜文然4月17日报道：一直以来，中国金融服务业态的广度和深度存在不足，传统信贷体系已无法满足有着超前消费观念的年轻人日益升高的消费需求。

Shanghai, April 17- The domestic financial service has had shortcomings in its breadth and depth for a long time. And the traditional credit system is gradually unable to satisfy the rising demand of young people.

日前，上海互联网金融平台钱牛牛发布了以人工智能技术为核心，针对85后、90后年轻人的信用画像与个人授信，为年轻人群提供基于个人信用、多场景、多层次的金融科技服务。

Qianniuniu, a Shanghai-based fintech platform, recently announced its personal credit-based, multi-scenario and multi-level financial technology service aiming at the generation after 90s.

“对比美国，中国金融服务在下沉的渗透率以及覆盖的频率这两个层面上远远落后于发达国家，”该平台快牛金科CEO倪抒音指出，国内还有大量的普通年轻人没有享受到信贷服务。

“Compared to the United States, the domestic financial service’s penetration and coverage is far behind that of developed countries”, its CEO Ni Shuyin noted that a large number of Chinese ordinary young people have not been provided with the credit service.

数据显示，在2019年中国消费信贷市场规模预计将达41.1万亿元，约4亿初级白领、蓝领用户的信贷需求亟待支持。于是，与过度依赖场景的金融企业不同，快牛金科瞄准了一条差异化的发展路线：个人授信。

Data show that by 2019 China’s consumer credit market scale is expected to reach 41.1 trillion Yuan and around 400 million junior white-collar and blue-collar workers’ credit demand is urgently needed to be satisfied.

通过对人的授信作为切入点，该平台基于不同人群、场景、额度的不同需求提供丰富多样的信贷产品。与此同时，大数据和人工智能技术被有效运用，来精准识别并分析年轻人在小额信贷领域的欺诈风险和负债能力，提供完善的贷后方案。

Thus, Qianniuniu seized the business opportunity: personal credit, providing a rich variety of credit products based on the different needs of different people, scene and line for youngsters. Big data and artificial intelligence techniques are at the same time effectively used to accurately recognize and analyze their fraud risk and debt capacity so as to get post-loan solutions ready.

在这个闭环之中，“人”才是最核心的关键因素。倪抒音表示，这次升级服务瞄准了传统金融目前通过海量弱数据特征没有办法服务到的那些near-prime人群，通过对他们的数据清洗、解构、分析和解读，最终能够帮助传统金融机构进行大量的资金和服务下沉。

In the closed cycle, “people” is the key factor. Ni pointed out that the upgraded service, through data cleaning, deconstruction and interpreting, can help widen the traditional financial institutions’ service coverage.