導語：P2P網(wang)貸平臺征信系(xi)統研(yan)究一文來源于網(wang)友上傳，不代表本站觀點，若(ruo)需要原創文章可咨詢客服老(lao)師，歡迎參考。

[摘要]隨著p2p網貸發展的加快，征信問題成為我國P2P行業發展的瓶頸。而大數據征信技術可以突破這一瓶頸。國內外都有應用成功的案例，如美國金融科技公司ZestFinance利用大數據對用戶進行信用風險評估，挖掘了FICO評分沒有覆蓋的借貸用戶群體；我國阿里集團下的螞蟻小貸依托阿里集團的背景也在互聯網金融大數據征信領域取得了一席之地。通過對國內外多家成功應用大數據征信技術的P2P網貸平臺進行分析，提出基于大數據征信技術的P2P網貸(dai)平臺的信用風險管理建議。

[關鍵詞(ci)]P2P網絡借(jie)貸；信(xin)用風險；征(zheng)信(xin)；大數據

一、引言

P2P（PeertoPeerlending）網(wang)(wang)絡(luo)借貸(dai)(dai)平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)，是指借貸(dai)(dai)方（法人、自然人、其他組織）在(zai)(zai)運(yun)營平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)借貸(dai)(dai)信(xin)息(xi)(xi)，投(tou)資人根據(ju)信(xin)息(xi)(xi)投(tou)資的(de)(de)(de)一(yi)種商業(ye)模式(shi)（Borrower，2012）。P2P網(wang)(wang)貸(dai)(dai)平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)的(de)(de)(de)出(chu)現，不(bu)僅(jin)促進了(le)我(wo)(wo)國(guo)實體經濟的(de)(de)(de)發展，豐富了(le)投(tou)融資手段，在(zai)(zai)解決我(wo)(wo)國(guo)民生問(wen)題(ti)(ti)上(shang)也(ye)起到了(le)積極的(de)(de)(de)作(zuo)用(yong)，但其存在(zai)(zai)的(de)(de)(de)風(feng)險(xian)(xian)也(ye)日漸凸(tu)顯，平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)失(shi)聯(lian)、暫停運(yun)營、借貸(dai)(dai)人跑路事件(jian)頻頻發生。截至2019年9月，我(wo)(wo)國(guo)共有6615家P2P網(wang)(wang)貸(dai)(dai)平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)，其中轉型的(de)(de)(de)網(wang)(wang)貸(dai)(dai)平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)3152家，問(wen)題(ti)(ti)平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)2861家，還在(zai)(zai)正常(chang)運(yun)營的(de)(de)(de)網(wang)(wang)貸(dai)(dai)平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)僅(jin)剩(sheng)602家(網(wang)(wang)貸(dai)(dai)天眼(yan))。我(wo)(wo)國(guo)大多數(shu)P2P網(wang)(wang)貸(dai)(dai)平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)出(chu)現問(wen)題(ti)(ti)、虧損、倒(dao)閉的(de)(de)(de)一(yi)個(ge)(ge)重要原因就是忽視了(le)對(dui)(dui)(dui)信(xin)用(yong)風(feng)險(xian)(xian)的(de)(de)(de)管控(kong)(kong)，從而導致經營不(bu)善(shan)（張(zhang)巧(qiao)良，2015）。康峰（2019）指出(chu)可(ke)以將我(wo)(wo)國(guo)P2P網(wang)(wang)貸(dai)(dai)平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)存在(zai)(zai)的(de)(de)(de)風(feng)險(xian)(xian)劃分(fen)為五個(ge)(ge)方面(mian)：市場風(feng)險(xian)(xian)、操作(zuo)與(yu)技術(shu)風(feng)險(xian)(xian)、信(xin)用(yong)風(feng)險(xian)(xian)、流動性(xing)風(feng)險(xian)(xian)、法律與(yu)監管風(feng)險(xian)(xian)。目(mu)前，信(xin)用(yong)風(feng)險(xian)(xian)在(zai)(zai)互聯(lian)網(wang)(wang)金融行業(ye)普遍存在(zai)(zai)，P2P市場信(xin)用(yong)風(feng)險(xian)(xian)表現為借貸(dai)(dai)人逾期(qi)還款(kuan)等(deng)。我(wo)(wo)國(guo)P2P網(wang)(wang)貸(dai)(dai)平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)可(ke)以考(kao)慮運(yun)用(yong)大數(shu)據(ju)征信(xin)運(yun)作(zuo)方式(shi)并且結(jie)合(he)具體情(qing)況(kuang)對(dui)(dui)(dui)信(xin)用(yong)風(feng)險(xian)(xian)進行管控(kong)(kong)，本著“一(yi)切(qie)數(shu)據(ju)皆信(xin)用(yong)”的(de)(de)(de)觀點，通過(guo)大數(shu)據(ju)技術(shu)，結(jie)合(he)個(ge)(ge)人在(zai)(zai)網(wang)(wang)絡(luo)上(shang)的(de)(de)(de)購物(wu)、聊天記錄、上(shang)網(wang)(wang)行為等(deng)信(xin)息(xi)(xi)，建立網(wang)(wang)貸(dai)(dai)平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)征信(xin)系(xi)統(tong)，這對(dui)(dui)(dui)平(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)、投(tou)資人、貸(dai)(dai)款(kuan)人以及監管部(bu)門都具有十分(fen)重要參考(kao)意義。

二、P2P網貸信用風險研(yan)究

（一）國(guo)(guo)內P2P網(wang)(wang)(wang)貸(dai)(dai)信(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)風(feng)(feng)險(xian)(xian)研(yan)究(jiu)。我(wo)國(guo)(guo)學者對(dui)(dui)(dui)(dui)于(yu)P2P網(wang)(wang)(wang)貸(dai)(dai)平(ping)(ping)臺(tai)(tai)的(de)風(feng)(feng)險(xian)(xian)研(yan)究(jiu)主要集(ji)中在(zai)：相(xiang)關法律(lv)法規(gui)、監(jian)管情況、P2P平(ping)(ping)臺(tai)(tai)自身(shen)風(feng)(feng)險(xian)(xian)管理、市(shi)場風(feng)(feng)險(xian)(xian)、用(yong)(yong)(yong)(yong)戶的(de)信(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)風(feng)(feng)險(xian)(xian)、技術(shu)風(feng)(feng)險(xian)(xian)等領(ling)域。研(yan)究(jiu)結果顯(xian)示，信(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)是借(jie)(jie)貸(dai)(dai)成功與(yu)否(fou)的(de)核心要素，但我(wo)國(guo)(guo)的(de)征(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)系統還不(bu)完善、覆蓋不(bu)全(quan)(quan)面(mian)，P2P借(jie)(jie)貸(dai)(dai)平(ping)(ping)臺(tai)(tai)利(li)用(yong)(yong)(yong)(yong)這(zhe)些(xie)數據(ju)可(ke)能(neng)會(hui)增加平(ping)(ping)臺(tai)(tai)的(de)信(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)風(feng)(feng)險(xian)(xian)，會(hui)使投資(zi)(zi)(zi)人(ren)(ren)(ren)處(chu)于(yu)信(xin)(xin)(xin)(xin)(xin)息(xi)不(bu)對(dui)(dui)(dui)(dui)稱(cheng)(cheng)的(de)劣勢位置，從而造成財產損失。可(ke)以(yi)(yi)通過大(da)(da)數據(ju)技術(shu)在(zai)事前對(dui)(dui)(dui)(dui)借(jie)(jie)貸(dai)(dai)人(ren)(ren)(ren)信(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)進(jin)行評(ping)估，從而減少投資(zi)(zi)(zi)人(ren)(ren)(ren)損失，大(da)(da)數據(ju)征(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)會(hui)大(da)(da)大(da)(da)降低貸(dai)(dai)款違約(yue)(yue)率。我(wo)國(guo)(guo)的(de)P2P網(wang)(wang)(wang)貸(dai)(dai)市(shi)場發(fa)展的(de)空間巨大(da)(da)，可(ke)以(yi)(yi)采用(yong)(yong)(yong)(yong)與(yu)第三(san)方(fang)征(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)平(ping)(ping)臺(tai)(tai)外(wai)包方(fang)式。政(zheng)府(fu)管理部門，應(ying)建立健(jian)全(quan)(quan)法律(lv)法規(gui)，為(wei)互聯(lian)網(wang)(wang)(wang)金融行業甚至P2P借(jie)(jie)貸(dai)(dai)平(ping)(ping)臺(tai)(tai)提供保障。（二）國(guo)(guo)外(wai)P2P網(wang)(wang)(wang)貸(dai)(dai)信(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)風(feng)(feng)險(xian)(xian)研(yan)究(jiu)。國(guo)(guo)外(wai)學者主要從四個方(fang)面(mian)研(yan)究(jiu)P2P網(wang)(wang)(wang)貸(dai)(dai)平(ping)(ping)臺(tai)(tai)風(feng)(feng)險(xian)(xian)：貸(dai)(dai)款人(ren)(ren)(ren)信(xin)(xin)(xin)(xin)(xin)息(xi)、抵押(ya)擔(dan)保、征(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)體(ti)制和(he)風(feng)(feng)險(xian)(xian)控制。在(zai)借(jie)(jie)貸(dai)(dai)人(ren)(ren)(ren)信(xin)(xin)(xin)(xin)(xin)息(xi)方(fang)面(mian)，P2P網(wang)(wang)(wang)貸(dai)(dai)平(ping)(ping)臺(tai)(tai)將借(jie)(jie)貸(dai)(dai)人(ren)(ren)(ren)的(de)個人(ren)(ren)(ren)信(xin)(xin)(xin)(xin)(xin)息(xi)透明(ming)，從而可(ke)以(yi)(yi)確保投資(zi)(zi)(zi)人(ren)(ren)(ren)和(he)借(jie)(jie)貸(dai)(dai)人(ren)(ren)(ren)雙方(fang)之間信(xin)(xin)(xin)(xin)(xin)息(xi)的(de)對(dui)(dui)(dui)(dui)稱(cheng)(cheng)，投資(zi)(zi)(zi)人(ren)(ren)(ren)才能(neng)作出正(zheng)確的(de)選(xuan)擇。Klafft(2008)利(li)用(yong)(yong)(yong)(yong)Logistic分析法進(jin)行抽樣分析，發(fa)現在(zai)抽樣的(de)十七萬件P2P借(jie)(jie)款事例中：借(jie)(jie)款人(ren)(ren)(ren)收(shou)入、信(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)記錄以(yi)(yi)及擔(dan)保借(jie)(jie)款額都與(yu)違約(yue)(yue)風(feng)(feng)險(xian)(xian)呈顯(xian)著相(xiang)關，所(suo)(suo)以(yi)(yi)應(ying)該對(dui)(dui)(dui)(dui)借(jie)(jie)貸(dai)(dai)人(ren)(ren)(ren)的(de)信(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)等信(xin)(xin)(xin)(xin)(xin)息(xi)詳細審核清楚，正(zheng)如(ru)Freedman(2008)認為(wei)網(wang)(wang)(wang)絡借(jie)(jie)貸(dai)(dai)平(ping)(ping)臺(tai)(tai)可(ke)以(yi)(yi)利(li)用(yong)(yong)(yong)(yong)征(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)幫助投資(zi)(zi)(zi)人(ren)(ren)(ren)評(ping)估在(zai)借(jie)(jie)貸(dai)(dai)時的(de)道德風(feng)(feng)險(xian)(xian)與(yu)逆向選(xuan)擇問題，所(suo)(suo)以(yi)(yi)對(dui)(dui)(dui)(dui)于(yu)P2P網(wang)(wang)(wang)貸(dai)(dai)平(ping)(ping)臺(tai)(tai)來(lai)說對(dui)(dui)(dui)(dui)信(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)進(jin)行監(jian)管是必不(bu)可(ke)少的(de)。

三、國外P2P網貸平臺(tai)征(zheng)信系統運(yun)行現狀

（一(yi)）傳(chuan)統(tong)模(mo)(mo)式(shi)(shi)。純信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)中(zhong)(zhong)介形式(shi)(shi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)P2P網(wang)(wang)(wang)(wang)(wang)貸(dai)(dai)(dai)(dai)平(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)(tai)，其(qi)(qi)運營(ying)模(mo)(mo)式(shi)(shi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)核心(xin)是(shi)(shi)(shi)(shi)(shi)讓(rang)第(di)三(san)方(fang)網(wang)(wang)(wang)(wang)(wang)絡銀(yin)(yin)(yin)行(xing)(xing)(xing)加入(ru)(ru)(ru)(ru)到整個(ge)借(jie)(jie)(jie)(jie)(jie)(jie)貸(dai)(dai)(dai)(dai)運營(ying)環節之中(zhong)(zhong)。先(xian)由(you)貸(dai)(dai)(dai)(dai)款(kuan)人(ren)(ren)(ren)(ren)(ren)(ren)登記(ji)(ji)個(ge)人(ren)(ren)(ren)(ren)(ren)(ren)貸(dai)(dai)(dai)(dai)款(kuan)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)(xi)(xi)，再(zai)與(yu)(yu)WebBank簽訂借(jie)(jie)(jie)(jie)(jie)(jie)貸(dai)(dai)(dai)(dai)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)(xi)(xi)合(he)(he)同(tong)，WebBank將(jiang)(jiang)此次借(jie)(jie)(jie)(jie)(jie)(jie)貸(dai)(dai)(dai)(dai)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)所有(you)(you)(you)(you)(you)權(quan)出(chu)售(shou)給P2P網(wang)(wang)(wang)(wang)(wang)貸(dai)(dai)(dai)(dai)平(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)(tai)，平(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)(tai)作為(wei)(wei)(wei)中(zhong)(zhong)介將(jiang)(jiang)所有(you)(you)(you)(you)(you)權(quan)票據(ju)(ju)(ju)(ju)(ju)(ju)(ju)再(zai)出(chu)售(shou)給投(tou)資人(ren)(ren)(ren)(ren)(ren)(ren)，投(tou)資人(ren)(ren)(ren)(ren)(ren)(ren)最后持(chi)有(you)(you)(you)(you)(you)，在(zai)(zai)這(zhe)(zhe)個(ge)過程(cheng)中(zhong)(zhong)，看(kan)似(si)(si)P2P網(wang)(wang)(wang)(wang)(wang)貸(dai)(dai)(dai)(dai)平(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)(tai)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)風(feng)險(xian)(xian)被轉(zhuan)移到WebBank，其(qi)(qi)實WebBank也是(shi)(shi)(shi)(shi)(shi)一(yi)家(jia)已經保有(you)(you)(you)(you)(you)聯邦存款(kuan)保險(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)銀(yin)(yin)(yin)行(xing)(xing)(xing)，將(jiang)(jiang)WebBank所承擔的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)風(feng)險(xian)(xian)又分(fen)攤到了(le)(le)(le)保險(xian)(xian)公司(si)上(shang)，這(zhe)(zhe)個(ge)模(mo)(mo)式(shi)(shi)避免了(le)(le)(le)現金(jin)滯留(liu)在(zai)(zai)借(jie)(jie)(jie)(jie)(jie)(jie)貸(dai)(dai)(dai)(dai)平(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)(tai)本身，將(jiang)(jiang)資金(jin)轉(zhuan)移到第(di)三(san)方(fang)銀(yin)(yin)(yin)行(xing)(xing)(xing)平(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)(tai)，轉(zhuan)移了(le)(le)(le)P2P網(wang)(wang)(wang)(wang)(wang)貸(dai)(dai)(dai)(dai)平(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)(tai)因(yin)市(shi)場風(feng)險(xian)(xian)而(er)(er)面對(dui)(dui)(dui)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)資金(jin)鏈斷(duan)裂(lie)等(deng)(deng)風(feng)險(xian)(xian)（劉(liu)玲，2018）。純中(zhong)(zhong)介的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)網(wang)(wang)(wang)(wang)(wang)貸(dai)(dai)(dai)(dai)平(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)(tai)主(zhu)(zhu)(zhu)(zhu)要(yao)采(cai)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)了(le)(le)(le)FICO評(ping)(ping)(ping)(ping)(ping)(ping)(ping)分(fen)為(wei)(wei)(wei)網(wang)(wang)(wang)(wang)(wang)貸(dai)(dai)(dai)(dai)平(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)(tai)對(dui)(dui)(dui)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)戶(hu)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)評(ping)(ping)(ping)(ping)(ping)(ping)(ping)估(gu)(gu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)影(ying)響(xiang)因(yin)素(su)，將(jiang)(jiang)FICO評(ping)(ping)(ping)(ping)(ping)(ping)(ping)分(fen)作為(wei)(wei)(wei)主(zhu)(zhu)(zhu)(zhu)要(yao)判斷(duan)借(jie)(jie)(jie)(jie)(jie)(jie)貸(dai)(dai)(dai)(dai)人(ren)(ren)(ren)(ren)(ren)(ren)可(ke)借(jie)(jie)(jie)(jie)(jie)(jie)貸(dai)(dai)(dai)(dai)金(jin)額、借(jie)(jie)(jie)(jie)(jie)(jie)貸(dai)(dai)(dai)(dai)利(li)(li)率等(deng)(deng)指標。FICO是(shi)(shi)(shi)(shi)(shi)美(mei)國(guo)(guo)(guo)(guo)當下主(zhu)(zhu)(zhu)(zhu)流的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)個(ge)人(ren)(ren)(ren)(ren)(ren)(ren)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)評(ping)(ping)(ping)(ping)(ping)(ping)(ping)分(fen)標準(zhun)(zhun)(zhun)，被用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)來(lai)做借(jie)(jie)(jie)(jie)(jie)(jie)貸(dai)(dai)(dai)(dai)人(ren)(ren)(ren)(ren)(ren)(ren)是(shi)(shi)(shi)(shi)(shi)否可(ke)以申請借(jie)(jie)(jie)(jie)(jie)(jie)款(kuan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)有(you)(you)(you)(you)(you)效審(shen)核工具，不(bu)(bu)僅(jin)被美(mei)國(guo)(guo)(guo)(guo)各大(da)(da)銀(yin)(yin)(yin)行(xing)(xing)(xing)采(cai)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)，還(huan)(huan)被美(mei)國(guo)(guo)(guo)(guo)三(san)大(da)(da)征(zheng)(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)局所采(cai)納接受，美(mei)國(guo)(guo)(guo)(guo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)各類(lei)P2P借(jie)(jie)(jie)(jie)(jie)(jie)貸(dai)(dai)(dai)(dai)平(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)(tai)可(ke)以通(tong)過向(xiang)該(gai)機構提交申請，就可(ke)以調查所有(you)(you)(you)(you)(you)借(jie)(jie)(jie)(jie)(jie)(jie)貸(dai)(dai)(dai)(dai)人(ren)(ren)(ren)(ren)(ren)(ren)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)各種(zhong)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)(xi)(xi)。這(zhe)(zhe)種(zhong)評(ping)(ping)(ping)(ping)(ping)(ping)(ping)估(gu)(gu)方(fang)式(shi)(shi)所采(cai)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)評(ping)(ping)(ping)(ping)(ping)(ping)(ping)估(gu)(gu)標準(zhun)(zhun)(zhun)相(xiang)(xiang)對(dui)(dui)(dui)于(yu)大(da)(da)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)征(zheng)(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)來(lai)說(shuo)所收(shou)(shou)集(ji)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)較少，主(zhu)(zhu)(zhu)(zhu)要(yao)涉及歷史消費(fei)記(ji)(ji)錄、歷史借(jie)(jie)(jie)(jie)(jie)(jie)貸(dai)(dai)(dai)(dai)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)(xi)(xi)、購買(mai)物(wu)品等(deng)(deng)。Prosper與(yu)(yu)LendingClub平(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)(tai)所應用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)就是(shi)(shi)(shi)(shi)(shi)這(zhe)(zhe)種(zhong)征(zheng)(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)方(fang)式(shi)(shi)，根據(ju)(ju)(ju)(ju)(ju)(ju)(ju)借(jie)(jie)(jie)(jie)(jie)(jie)貸(dai)(dai)(dai)(dai)人(ren)(ren)(ren)(ren)(ren)(ren)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)FICO評(ping)(ping)(ping)(ping)(ping)(ping)(ping)分(fen)采(cai)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)相(xiang)(xiang)應的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)借(jie)(jie)(jie)(jie)(jie)(jie)貸(dai)(dai)(dai)(dai)方(fang)式(shi)(shi)，該(gai)種(zhong)征(zheng)(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)方(fang)式(shi)(shi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)好處(chu)是(shi)(shi)(shi)(shi)(shi)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)獲取(qu)(qu)方(fang)便、覆蓋人(ren)(ren)(ren)(ren)(ren)(ren)群(qun)廣(guang)泛。（二(er)）大(da)(da)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)模(mo)(mo)式(shi)(shi)。ZestFinance網(wang)(wang)(wang)(wang)(wang)貸(dai)(dai)(dai)(dai)平(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)(tai)是(shi)(shi)(shi)(shi)(shi)美(mei)國(guo)(guo)(guo)(guo)最新(xin)興的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)一(yi)個(ge)平(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)(tai)，因(yin)為(wei)(wei)(wei)FICO評(ping)(ping)(ping)(ping)(ping)(ping)(ping)分(fen)覆蓋了(le)(le)(le)美(mei)國(guo)(guo)(guo)(guo)85%以上(shang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)客戶(hu)，典型(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)如(ru)(ru)Prosper與(yu)(yu)LendingClub，而(er)(er)還(huan)(huan)有(you)(you)(you)(you)(you)15%處(chu)于(yu)沒(mei)有(you)(you)(you)(you)(you)評(ping)(ping)(ping)(ping)(ping)(ping)(ping)分(fen)狀態(tai)，這(zhe)(zhe)就使(shi)這(zhe)(zhe)部分(fen)人(ren)(ren)(ren)(ren)(ren)(ren)群(qun)無法借(jie)(jie)(jie)(jie)(jie)(jie)貸(dai)(dai)(dai)(dai)或是(shi)(shi)(shi)(shi)(shi)不(bu)(bu)利(li)(li)于(yu)借(jie)(jie)(jie)(jie)(jie)(jie)貸(dai)(dai)(dai)(dai)，針對(dui)(dui)(dui)這(zhe)(zhe)一(yi)情況，ZestFinance發(fa)現了(le)(le)(le)商機，利(li)(li)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)自(zi)(zi)(zi)主(zhu)(zhu)(zhu)(zhu)研發(fa)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)大(da)(da)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)算(suan)法，為(wei)(wei)(wei)剩下15%沒(mei)有(you)(you)(you)(you)(you)被FICO評(ping)(ping)(ping)(ping)(ping)(ping)(ping)分(fen)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)對(dui)(dui)(dui)象進(jin)(jin)行(xing)(xing)(xing)借(jie)(jie)(jie)(jie)(jie)(jie)貸(dai)(dai)(dai)(dai)服(fu)(fu)務。平(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)(tai)創建(jian)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)評(ping)(ping)(ping)(ping)(ping)(ping)(ping)分(fen)模(mo)(mo)型(xing)(xing)(xing)(xing)(xing)再(zai)利(li)(li)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)收(shou)(shou)集(ji)到的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)代入(ru)(ru)(ru)(ru)，計算(suan)出(chu)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)戶(hu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)分(fen)數(shu)(shu)(shu)(shu)(shu)進(jin)(jin)行(xing)(xing)(xing)借(jie)(jie)(jie)(jie)(jie)(jie)貸(dai)(dai)(dai)(dai)，并且(qie)還(huan)(huan)應用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)機器(qi)學習預(yu)(yu)測(ce)未來(lai)借(jie)(jie)(jie)(jie)(jie)(jie)貸(dai)(dai)(dai)(dai)人(ren)(ren)(ren)(ren)(ren)(ren)借(jie)(jie)(jie)(jie)(jie)(jie)貸(dai)(dai)(dai)(dai)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)。機器(qi)學習是(shi)(shi)(shi)(shi)(shi)指從輸(shu)入(ru)(ru)(ru)(ru)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)中(zhong)(zhong)自(zi)(zi)(zi)主(zhu)(zhu)(zhu)(zhu)獲取(qu)(qu)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)間相(xiang)(xiang)關規律，再(zai)通(tong)過獲取(qu)(qu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)規律來(lai)預(yu)(yu)測(ce)未知的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)算(suan)法。ZestFinance網(wang)(wang)(wang)(wang)(wang)貸(dai)(dai)(dai)(dai)平(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)(tai)挖掘(jue)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)深(shen)度也強(qiang)(qiang)于(yu)其(qi)(qi)他(ta)平(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)(tai)，不(bu)(bu)僅(jin)采(cai)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)在(zai)(zai)以往征(zheng)(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)體系中(zhong)(zhong)常用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)決策(ce)變量(liang)，如(ru)(ru)FICO的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)五個(ge)基本影(ying)響(xiang)因(yin)素(su)，包(bao)括未還(huan)(huan)款(kuan)金(jin)額、付款(kuan)記(ji)(ji)錄、新(xin)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)申請、信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)期限、信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)組合(he)(he)等(deng)(deng)，但(dan)彌補FICO評(ping)(ping)(ping)(ping)(ping)(ping)(ping)分(fen)模(mo)(mo)型(xing)(xing)(xing)(xing)(xing)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)(xi)(xi)獲取(qu)(qu)單一(yi)、不(bu)(bu)具備時間的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)同(tong)步性的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)缺點，ZestFinancc還(huan)(huan)會(hui)收(shou)(shou)集(ji)音像、圖片、視頻(pin)等(deng)(deng)非結構化的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)(xi)(xi)，如(ru)(ru)客戶(hu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)Facebook等(deng)(deng)社交網(wang)(wang)(wang)(wang)(wang)絡信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)(xi)(xi)、會(hui)員信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)(xi)(xi)等(deng)(deng)，將(jiang)(jiang)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)(xi)(xi)進(jin)(jin)而(er)(er)轉(zhuan)向(xiang)結構化數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)再(zai)進(jin)(jin)行(xing)(xing)(xing)評(ping)(ping)(ping)(ping)(ping)(ping)(ping)分(fen)。其(qi)(qi)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)(xi)(xi)覆蓋也十分(fen)廣(guang)泛，比如(ru)(ru)借(jie)(jie)(jie)(jie)(jie)(jie)貸(dai)(dai)(dai)(dai)人(ren)(ren)(ren)(ren)(ren)(ren)是(shi)(shi)(shi)(shi)(shi)否繳納房租(zu)，登入(ru)(ru)(ru)(ru)時的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)IP地址，書寫行(xing)(xing)(xing)為(wei)(wei)(wei)習慣(guan)，使(shi)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)瀏覽器(qi)版本，輸(shu)入(ru)(ru)(ru)(ru)時用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)拼寫習慣(guan)，網(wang)(wang)(wang)(wang)(wang)絡交易資料等(deng)(deng)。并且(qie)ZestFinance的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)評(ping)(ping)(ping)(ping)(ping)(ping)(ping)估(gu)(gu)模(mo)(mo)型(xing)(xing)(xing)(xing)(xing)，每一(yi)季度都會(hui)進(jin)(jin)行(xing)(xing)(xing)更(geng)新(xin)，確(que)保模(mo)(mo)型(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)評(ping)(ping)(ping)(ping)(ping)(ping)(ping)估(gu)(gu)準(zhun)(zhun)(zhun)確(que)度。傳(chuan)統(tong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)FICO等(deng)(deng)其(qi)(qi)它征(zheng)(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)公司(si)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)評(ping)(ping)(ping)(ping)(ping)(ping)(ping)分(fen)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)模(mo)(mo)型(xing)(xing)(xing)(xing)(xing)，僅(jin)收(shou)(shou)入(ru)(ru)(ru)(ru)三(san)十至(zhi)幾百條數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)項，而(er)(er)ZestFinance會(hui)收(shou)(shou)集(ji)幾萬(wan)條數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)項，去評(ping)(ping)(ping)(ping)(ping)(ping)(ping)判一(yi)個(ge)人(ren)(ren)(ren)(ren)(ren)(ren)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)真實信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)如(ru)(ru)何(he)，即使(shi)是(shi)(shi)(shi)(shi)(shi)看(kan)似(si)(si)毫無關聯的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)(xi)(xi)，都有(you)(you)(you)(you)(you)可(ke)能(neng)(neng)幫助ZestFinance更(geng)有(you)(you)(you)(you)(you)效地評(ping)(ping)(ping)(ping)(ping)(ping)(ping)斷(duan)個(ge)人(ren)(ren)(ren)(ren)(ren)(ren)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)。大(da)(da)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)征(zheng)(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)相(xiang)(xiang)對(dui)(dui)(dui)比傳(chuan)統(tong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)FICO征(zheng)(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)來(lai)說(shuo)具有(you)(you)(you)(you)(you)兩(liang)點優勢(shi)，一(yi)是(shi)(shi)(shi)(shi)(shi)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)收(shou)(shou)集(ji)齊(qi)備，對(dui)(dui)(dui)沒(mei)有(you)(you)(you)(you)(you)FICO評(ping)(ping)(ping)(ping)(ping)(ping)(ping)分(fen)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)戶(hu)進(jin)(jin)行(xing)(xing)(xing)了(le)(le)(le)形象刻(ke)畫(hua)，避免了(le)(le)(le)市(shi)場空白。二(er)是(shi)(shi)(shi)(shi)(shi)通(tong)過機器(qi)學習，自(zi)(zi)(zi)主(zhu)(zhu)(zhu)(zhu)研發(fa)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)模(mo)(mo)型(xing)(xing)(xing)(xing)(xing)，更(geng)加有(you)(you)(you)(you)(you)效地審(shen)核了(le)(le)(le)借(jie)(jie)(jie)(jie)(jie)(jie)貸(dai)(dai)(dai)(dai)人(ren)(ren)(ren)(ren)(ren)(ren)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)(xi)(xi)，降低了(le)(le)(le)違約率。（三(san)）國(guo)(guo)(guo)(guo)外(wai)P2P網(wang)(wang)(wang)(wang)(wang)貸(dai)(dai)(dai)(dai)平(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)(tai)大(da)(da)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)征(zheng)(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)啟示。1.加強(qiang)(qiang)平(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)(tai)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)共。享(xiang)ZestFinance利(li)(li)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)大(da)(da)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)征(zheng)(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)平(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)(tai)成功的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)基礎(chu)就是(shi)(shi)(shi)(shi)(shi)美(mei)國(guo)(guo)(guo)(guo)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)(xi)(xi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)開(kai)放，不(bu)(bu)僅(jin)如(ru)(ru)此，ZestFinance也與(yu)(yu)Facebook、Twitter等(deng)(deng)社交平(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)(tai)進(jin)(jin)行(xing)(xing)(xing)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)(xi)(xi)共享(xiang)而(er)(er)獲得更(geng)多數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)源來(lai)進(jin)(jin)行(xing)(xing)(xing)更(geng)精準(zhun)(zhun)(zhun)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)評(ping)(ping)(ping)(ping)(ping)(ping)(ping)分(fen)。在(zai)(zai)美(mei)國(guo)(guo)(guo)(guo)傳(chuan)統(tong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)FICO評(ping)(ping)(ping)(ping)(ping)(ping)(ping)分(fen)中(zhong)(zhong)，收(shou)(shou)集(ji)了(le)(le)(le)大(da)(da)量(liang)民眾信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)(xi)(xi)，其(qi)(qi)中(zhong)(zhong)包(bao)括銀(yin)(yin)(yin)行(xing)(xing)(xing)卡使(shi)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)記(ji)(ji)錄、銀(yin)(yin)(yin)行(xing)(xing)(xing)存取(qu)(qu)款(kuan)記(ji)(ji)錄、水電繳費(fei)情況等(deng)(deng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)(xi)(xi)，但(dan)ZestFinance還(huan)(huan)收(shou)(shou)集(ji)了(le)(le)(le)幾十萬(wan)類(lei)不(bu)(bu)同(tong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)項目，借(jie)(jie)(jie)(jie)(jie)(jie)此構建(jian)了(le)(le)(le)較為(wei)(wei)(wei)全面的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)戶(hu)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)(xi)(xi)系統(tong)。我(wo)國(guo)(guo)(guo)(guo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)P2P網(wang)(wang)(wang)(wang)(wang)貸(dai)(dai)(dai)(dai)平(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)(tai)也應學會(hui)自(zi)(zi)(zi)行(xing)(xing)(xing)建(jian)立征(zheng)(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)系統(tong)，學習數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)共享(xiang)技術(shu)，進(jin)(jin)而(er)(er)不(bu)(bu)斷(duan)擴(kuo)大(da)(da)征(zheng)(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)系統(tong)中(zhong)(zhong)原數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)來(lai)源，建(jian)立更(geng)加可(ke)靠的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)P2P平(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)(tai)征(zheng)(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)體系，進(jin)(jin)而(er)(er)覆蓋更(geng)多的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)互(hu)聯網(wang)(wang)(wang)(wang)(wang)金(jin)融平(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)(tai)，覆蓋更(geng)全面的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)客戶(hu)群(qun)，而(er)(er)不(bu)(bu)是(shi)(shi)(shi)(shi)(shi)處(chu)于(yu)一(yi)個(ge)“信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)(xi)(xi)孤島”的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)狀態(tai)。2.提高數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)分(fen)析能(neng)(neng)力(li)(li)。ZestFinance平(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)(tai)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)理念是(shi)(shi)(shi)(shi)(shi)“相(xiang)(xiang)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)一(yi)切數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)皆(jie)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)”，這(zhe)(zhe)就是(shi)(shi)(shi)(shi)(shi)它在(zai)(zai)P2P網(wang)(wang)(wang)(wang)(wang)貸(dai)(dai)(dai)(dai)平(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)(tai)征(zheng)(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)成功的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)關鍵：擁有(you)(you)(you)(you)(you)強(qiang)(qiang)大(da)(da)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)分(fen)析和(he)處(chu)理能(neng)(neng)力(li)(li)。自(zi)(zi)(zi)2007年我(wo)國(guo)(guo)(guo)(guo)首家(jia)P2P網(wang)(wang)(wang)(wang)(wang)貸(dai)(dai)(dai)(dai)平(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)(tai)拍拍貸(dai)(dai)(dai)(dai)上(shang)線以來(lai)，我(wo)國(guo)(guo)(guo)(guo)P2P網(wang)(wang)(wang)(wang)(wang)貸(dai)(dai)(dai)(dai)平(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)(tai)通(tong)過自(zi)(zi)(zi)身的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)(xi)(xi)庫(ku)以及第(di)三(san)方(fang)平(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)(tai)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)庫(ku)積累了(le)(le)(le)大(da)(da)量(liang)有(you)(you)(you)(you)(you)關客戶(hu)消費(fei)、支付、信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)等(deng)(deng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)(xi)(xi)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)，但(dan)我(wo)國(guo)(guo)(guo)(guo)P2P網(wang)(wang)(wang)(wang)(wang)貸(dai)(dai)(dai)(dai)平(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)(tai)缺乏數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)處(chu)理與(yu)(yu)分(fen)析的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)能(neng)(neng)力(li)(li)，暫時還(huan)(huan)不(bu)(bu)能(neng)(neng)深(shen)度挖掘(jue)來(lai)自(zi)(zi)(zi)這(zhe)(zhe)些信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)(xi)(xi)背后或者更(geng)深(shen)層(ceng)次的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)內(nei)(nei)容。ZestFinance公司(si)所開(kai)發(fa)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)集(ji)成的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)機器(qi)學習模(mo)(mo)型(xing)(xing)(xing)(xing)(xing)極大(da)(da)促進(jin)(jin)了(le)(le)(le)平(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)(tai)清(qing)洗數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)與(yu)(yu)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)分(fen)析能(neng)(neng)力(li)(li)，我(wo)國(guo)(guo)(guo)(guo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)P2P網(wang)(wang)(wang)(wang)(wang)貸(dai)(dai)(dai)(dai)平(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)(tai)應加強(qiang)(qiang)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)模(mo)(mo)型(xing)(xing)(xing)(xing)(xing)建(jian)設，強(qiang)(qiang)化數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)清(qing)晰、篩選技術(shu)，提高非結構數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)處(chu)理能(neng)(neng)力(li)(li)。3.明(ming)確(que)服(fu)(fu)務對(dui)(dui)(dui)象。ZestFinance明(ming)確(que)自(zi)(zi)(zi)身服(fu)(fu)務的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)征(zheng)(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)對(dui)(dui)(dui)象為(wei)(wei)(wei)FICO評(ping)(ping)(ping)(ping)(ping)(ping)(ping)分(fen)在(zai)(zai)500分(fen)以下的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)低信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)評(ping)(ping)(ping)(ping)(ping)(ping)(ping)分(fen)客戶(hu)，針對(dui)(dui)(dui)該(gai)客戶(hu)群(qun)體內(nei)(nei)部不(bu)(bu)同(tong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)類(lei)型(xing)(xing)(xing)(xing)(xing)再(zai)進(jin)(jin)一(yi)步開(kai)發(fa)細(xi)化信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)評(ping)(ping)(ping)(ping)(ping)(ping)(ping)估(gu)(gu)模(mo)(mo)型(xing)(xing)(xing)(xing)(xing)，比如(ru)(ru)還(huan)(huan)款(kuan)能(neng)(neng)力(li)(li)模(mo)(mo)型(xing)(xing)(xing)(xing)(xing)、預(yu)(yu)付能(neng)(neng)力(li)(li)模(mo)(mo)型(xing)(xing)(xing)(xing)(xing)等(deng)(deng)，不(bu)(bu)斷(duan)深(shen)入(ru)(ru)(ru)(ru)發(fa)掘(jue)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)(xi)(xi)，擴(kuo)大(da)(da)公司(si)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)客戶(hu)范(fan)圍，從而(er)(er)不(bu)(bu)斷(duan)提高自(zi)(zi)(zi)身的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)盈利(li)(li)水平(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)，增強(qiang)(qiang)公司(si)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)競(jing)爭力(li)(li)。所以精準(zhun)(zhun)(zhun)定位和(he)深(shen)入(ru)(ru)(ru)(ru)分(fen)類(lei)研究是(shi)(shi)(shi)(shi)(shi)ZestFinance領先(xian)于(yu)其(qi)(qi)他(ta)互(hu)聯網(wang)(wang)(wang)(wang)(wang)征(zheng)(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)機構的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)關鍵，我(wo)國(guo)(guo)(guo)(guo)網(wang)(wang)(wang)(wang)(wang)貸(dai)(dai)(dai)(dai)平(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)(tai)也可(ke)以參考此類(lei)運行(xing)(xing)(xing)模(mo)(mo)式(shi)(shi)，明(ming)確(que)平(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)(tai)(tai)(tai)(tai)(tai)主(zhu)(zhu)(zhu)(zhu)要(yao)服(fu)(fu)務對(dui)(dui)(dui)象，做到市(shi)場精細(xi)化，從而(er)(er)擴(kuo)大(da)(da)客戶(hu)范(fan)圍。

四(si)、國內以螞蟻(yi)小貸(dai)為(wei)代表的(de)P2P網貸(dai)平臺征(zheng)信系統(tong)運行現狀

（一(yi)）螞(ma)(ma)(ma)(ma)(ma)(ma)(ma)蟻(yi)(yi)小(xiao)貸(dai)(dai)(dai)(dai)(dai)(dai)。螞(ma)(ma)(ma)(ma)(ma)(ma)(ma)蟻(yi)(yi)小(xiao)貸(dai)(dai)(dai)(dai)(dai)(dai)是由阿(a)(a)(a)里(li)(li)巴(ba)(ba)巴(ba)(ba)集(ji)(ji)團(tuan)(tuan)成(cheng)(cheng)立(li)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)，主要針對(dui)(dui)(dui)阿(a)(a)(a)里(li)(li)巴(ba)(ba)巴(ba)(ba)、淘(tao)(tao)寶(bao)、天貓平(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)上(shang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)賣(mai)家進(jin)(jin)(jin)行(xing)(xing)資金周(zhou)轉、投(tou)融資服務而發(fa)(fa)展的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)互(hu)聯網(wang)(wang)(wang)金融產品(pin)。其(qi)對(dui)(dui)(dui)信(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)審核(he)依據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)就(jiu)是企(qi)(qi)業(ye)(ye)(ye)在阿(a)(a)(a)里(li)(li)巴(ba)(ba)巴(ba)(ba)平(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)、天貓平(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)、淘(tao)(tao)寶(bao)和(he)(he)(he)(he)支付寶(bao)上(shang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)記錄(lu)，從(cong)而對(dui)(dui)(dui)企(qi)(qi)業(ye)(ye)(ye)信(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)積(ji)分(fen)(fen)進(jin)(jin)(jin)行(xing)(xing)核(he)算(suan)(suan)，信(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)記錄(lu)主要包括(kuo)：店鋪收益(yi)、實體情況、用(yong)(yong)(yong)(yong)(yong)(yong)戶(hu)評(ping)價、發(fa)(fa)貨速度(du)(du)等(deng)(deng)，其(qi)優勢為(wei)審核(he)速度(du)(du)快、貸(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)下(xia)(xia)(xia)放快、無(wu)(wu)(wu)需(xu)線下(xia)(xia)(xia)審核(he)、資金通過支付寶(bao)進(jin)(jin)(jin)賬。相對(dui)(dui)(dui)于(yu)(yu)傳(chuan)(chuan)統(tong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)借(jie)(jie)(jie)(jie)(jie)貸(dai)(dai)(dai)(dai)(dai)(dai)模(mo)(mo)(mo)式(shi)(shi)，螞(ma)(ma)(ma)(ma)(ma)(ma)(ma)蟻(yi)(yi)小(xiao)貸(dai)(dai)(dai)(dai)(dai)(dai)憑借(jie)(jie)(jie)(jie)(jie)自(zi)身所(suo)屬公司(si)阿(a)(a)(a)里(li)(li)巴(ba)(ba)巴(ba)(ba)集(ji)(ji)團(tuan)(tuan)就(jiu)已(yi)經獲(huo)(huo)得(de)了(le)(le)巨(ju)大(da)(da)(da)(da)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)優勢。首先(xian)，傳(chuan)(chuan)統(tong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)公司(si)收集(ji)(ji)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)難，收集(ji)(ji)到(dao)(dao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)真假(jia)(jia)難辨，借(jie)(jie)(jie)(jie)(jie)款(kuan)(kuan)(kuan)(kuan)人(ren)(ren)很容易(yi)隱(yin)藏或造假(jia)(jia)信(xin)(xin)(xin)(xin)息(xi)(xi)，形成(cheng)(cheng)投(tou)資人(ren)(ren)與(yu)(yu)(yu)(yu)借(jie)(jie)(jie)(jie)(jie)貸(dai)(dai)(dai)(dai)(dai)(dai)人(ren)(ren)信(xin)(xin)(xin)(xin)息(xi)(xi)不(bu)對(dui)(dui)(dui)稱的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)現(xian)象。其(qi)次(ci)(ci)，阿(a)(a)(a)里(li)(li)集(ji)(ji)團(tuan)(tuan)下(xia)(xia)(xia)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)淘(tao)(tao)寶(bao)、天貓與(yu)(yu)(yu)(yu)阿(a)(a)(a)里(li)(li)巴(ba)(ba)巴(ba)(ba)會(hui)為(wei)螞(ma)(ma)(ma)(ma)(ma)(ma)(ma)蟻(yi)(yi)小(xiao)貸(dai)(dai)(dai)(dai)(dai)(dai)創(chuang)造大(da)(da)(da)(da)規模(mo)(mo)(mo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)訂單(dan)需(xu)求，相較(jiao)于(yu)(yu)其(qi)他平(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)，螞(ma)(ma)(ma)(ma)(ma)(ma)(ma)蟻(yi)(yi)小(xiao)貸(dai)(dai)(dai)(dai)(dai)(dai)自(zi)然(ran)擁(yong)有(you)大(da)(da)(da)(da)量用(yong)(yong)(yong)(yong)(yong)(yong)戶(hu)群體，并(bing)且(qie)(qie)螞(ma)(ma)(ma)(ma)(ma)(ma)(ma)蟻(yi)(yi)小(xiao)貸(dai)(dai)(dai)(dai)(dai)(dai)也(ye)將(jiang)大(da)(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)技術實施(shi)到(dao)(dao)了(le)(le)P2P借(jie)(jie)(jie)(jie)(jie)貸(dai)(dai)(dai)(dai)(dai)(dai)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)貸(dai)(dai)(dai)(dai)(dai)(dai)前(qian)(qian)(qian)(qian)、貸(dai)(dai)(dai)(dai)(dai)(dai)中(zhong)(zhong)(zhong)與(yu)(yu)(yu)(yu)發(fa)(fa)放階段。貸(dai)(dai)(dai)(dai)(dai)(dai)前(qian)(qian)(qian)(qian)申請階段，用(yong)(yong)(yong)(yong)(yong)(yong)戶(hu)在線申請貸(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)之(zhi)后(hou)，螞(ma)(ma)(ma)(ma)(ma)(ma)(ma)蟻(yi)(yi)小(xiao)貸(dai)(dai)(dai)(dai)(dai)(dai)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)調查團(tuan)(tuan)隊(dui)會(hui)開始(shi)查明該(gai)用(yong)(yong)(yong)(yong)(yong)(yong)戶(hu)在阿(a)(a)(a)里(li)(li)系(xi)產品(pin)中(zhong)(zhong)(zhong)所(suo)有(you)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)交易(yi)信(xin)(xin)(xin)(xin)息(xi)(xi)、信(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)信(xin)(xin)(xin)(xin)息(xi)(xi)、商(shang)品(pin)庫存(cun)、資金流動(dong)以(yi)(yi)(yi)(yi)及(ji)客戶(hu)評(ping)價等(deng)(deng)，根據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)這(zhe)些數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)判(pan)(pan)定(ding)用(yong)(yong)(yong)(yong)(yong)(yong)戶(hu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)等(deng)(deng)級，再(zai)根據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)大(da)(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)庫內(nei)(nei)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)判(pan)(pan)斷用(yong)(yong)(yong)(yong)(yong)(yong)戶(hu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)償還能(neng)(neng)力(li)(li)以(yi)(yi)(yi)(yi)及(ji)未來(lai)(lai)可(ke)能(neng)(neng)會(hui)流入(ru)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)資金額(e)，對(dui)(dui)(dui)未來(lai)(lai)期限內(nei)(nei)會(hui)有(you)高(gao)(gao)收益(yi)額(e)商(shang)家積(ji)極(ji)鼓(gu)勵其(qi)在平(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)貸(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)，對(dui)(dui)(dui)于(yu)(yu)未來(lai)(lai)可(ke)能(neng)(neng)資金收入(ru)額(e)較(jiao)低的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)商(shang)家，會(hui)采取低強度(du)(du)營銷這(zhe)一(yi)方式(shi)(shi)。再(zai)將(jiang)此次(ci)(ci)運(yun)(yun)行(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)操作和(he)(he)(he)(he)結(jie)果記錄(lu)到(dao)(dao)系(xi)統(tong)中(zhong)(zhong)(zhong)，對(dui)(dui)(dui)系(xi)統(tong)進(jin)(jin)(jin)行(xing)(xing)完善。預(yu)測淘(tao)(tao)寶(bao)賣(mai)家從(cong)借(jie)(jie)(jie)(jie)(jie)貸(dai)(dai)(dai)(dai)(dai)(dai)開始(shi)到(dao)(dao)未來(lai)(lai)實際運(yun)(yun)作以(yi)(yi)(yi)(yi)及(ji)運(yun)(yun)作成(cheng)(cheng)效的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)曲線，需(xu)要192個數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)模(mo)(mo)(mo)型，與(yu)(yu)(yu)(yu)我(wo)(wo)國傳(chuan)(chuan)統(tong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)純(chun)信(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)抵押信(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)相比，螞(ma)(ma)(ma)(ma)(ma)(ma)(ma)蟻(yi)(yi)小(xiao)貸(dai)(dai)(dai)(dai)(dai)(dai)在模(mo)(mo)(mo)型數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)量與(yu)(yu)(yu)(yu)模(mo)(mo)(mo)型因子方面的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)領(ling)先(xian)使其(qi)具有(you)獨(du)特優勢。貸(dai)(dai)(dai)(dai)(dai)(dai)中(zhong)(zhong)(zhong)與(yu)(yu)(yu)(yu)發(fa)(fa)放階段，平(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)會(hui)對(dui)(dui)(dui)企(qi)(qi)業(ye)(ye)(ye)如何運(yun)(yun)行(xing)(xing)資金、企(qi)(qi)業(ye)(ye)(ye)獲(huo)(huo)得(de)貸(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)后(hou)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)倉儲(chu)、與(yu)(yu)(yu)(yu)企(qi)(qi)業(ye)(ye)(ye)聯系(xi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)上(shang)下(xia)(xia)(xia)游企(qi)(qi)業(ye)(ye)(ye)、企(qi)(qi)業(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)客戶(hu)等(deng)(deng)用(yong)(yong)(yong)(yong)(yong)(yong)大(da)(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)進(jin)(jin)(jin)行(xing)(xing)評(ping)估，完善企(qi)(qi)業(ye)(ye)(ye)這(zhe)一(yi)次(ci)(ci)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)貸(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)信(xin)(xin)(xin)(xin)息(xi)(xi)記錄(lu)，查看企(qi)(qi)業(ye)(ye)(ye)在獲(huo)(huo)得(de)貸(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)后(hou)與(yu)(yu)(yu)(yu)貸(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)前(qian)(qian)(qian)(qian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)營業(ye)(ye)(ye)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)是否有(you)所(suo)改善，以(yi)(yi)(yi)(yi)為(wei)下(xia)(xia)(xia)一(yi)次(ci)(ci)是否貸(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)做好(hao)準備信(xin)(xin)(xin)(xin)息(xi)(xi)。螞(ma)(ma)(ma)(ma)(ma)(ma)(ma)蟻(yi)(yi)小(xiao)貸(dai)(dai)(dai)(dai)(dai)(dai)運(yun)(yun)用(yong)(yong)(yong)(yong)(yong)(yong)大(da)(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)技術對(dui)(dui)(dui)平(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)進(jin)(jin)(jin)行(xing)(xing)運(yun)(yun)營，也(ye)基于(yu)(yu)自(zi)身母公司(si)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)商(shang)業(ye)(ye)(ye)基礎(chu)，成(cheng)(cheng)本(ben)包括(kuo)給(gei)予(yu)借(jie)(jie)(jie)(jie)(jie)款(kuan)(kuan)(kuan)(kuan)人(ren)(ren)利息(xi)(xi)，平(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)人(ren)(ren)工成(cheng)(cheng)本(ben)費(fei)(fei)管(guan)理(li)費(fei)(fei)等(deng)(deng)，成(cheng)(cheng)本(ben)率(lv)預(yu)計(ji)在6%—7%，并(bing)且(qie)(qie)螞(ma)(ma)(ma)(ma)(ma)(ma)(ma)蟻(yi)(yi)小(xiao)貸(dai)(dai)(dai)(dai)(dai)(dai)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)還款(kuan)(kuan)(kuan)(kuan)率(lv)遠(yuan)遠(yuan)高(gao)(gao)于(yu)(yu)其(qi)它平(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)，達到(dao)(dao)99%。總之(zhi)螞(ma)(ma)(ma)(ma)(ma)(ma)(ma)蟻(yi)(yi)小(xiao)貸(dai)(dai)(dai)(dai)(dai)(dai)在大(da)(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)方面的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)應用(yong)(yong)(yong)(yong)(yong)(yong)管(guan)理(li)給(gei)我(wo)(wo)國其(qi)他的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)P2P網(wang)(wang)(wang)貸(dai)(dai)(dai)(dai)(dai)(dai)平(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)提供了(le)(le)參(can)考。（二(er)）國內(nei)(nei)網(wang)(wang)(wang)貸(dai)(dai)(dai)(dai)(dai)(dai)平(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)大(da)(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)征(zheng)(zheng)信(xin)(xin)(xin)(xin)啟示。1.保(bao)證(zheng)海量豐富的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)。螞(ma)(ma)(ma)(ma)(ma)(ma)(ma)蟻(yi)(yi)小(xiao)貸(dai)(dai)(dai)(dai)(dai)(dai)成(cheng)(cheng)功借(jie)(jie)(jie)(jie)(jie)鑒(jian)了(le)(le)美國ZestFinance利用(yong)(yong)(yong)(yong)(yong)(yong)大(da)(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)技術在P2P網(wang)(wang)(wang)貸(dai)(dai)(dai)(dai)(dai)(dai)平(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)征(zheng)(zheng)信(xin)(xin)(xin)(xin)方面的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)成(cheng)(cheng)功經驗(yan)，認識到(dao)(dao)大(da)(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)征(zheng)(zheng)信(xin)(xin)(xin)(xin)技術在互(hu)聯網(wang)(wang)(wang)金融平(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)尤其(qi)是借(jie)(jie)(jie)(jie)(jie)貸(dai)(dai)(dai)(dai)(dai)(dai)平(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)重要之(zhi)處(chu)，只有(you)充分(fen)(fen)收集(ji)(ji)用(yong)(yong)(yong)(yong)(yong)(yong)戶(hu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)，并(bing)且(qie)(qie)作出(chu)相對(dui)(dui)(dui)成(cheng)(cheng)熟的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)征(zheng)(zheng)信(xin)(xin)(xin)(xin)模(mo)(mo)(mo)型，才會(hui)對(dui)(dui)(dui)用(yong)(yong)(yong)(yong)(yong)(yong)戶(hu)信(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)評(ping)判(pan)(pan)進(jin)(jin)(jin)行(xing)(xing)合(he)理(li)詮(quan)釋。阿(a)(a)(a)里(li)(li)集(ji)(ji)團(tuan)(tuan)憑借(jie)(jie)(jie)(jie)(jie)自(zi)身各(ge)大(da)(da)(da)(da)購(gou)物(wu)、民生平(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)積(ji)攢了(le)(le)一(yi)手用(yong)(yong)(yong)(yong)(yong)(yong)戶(hu)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)信(xin)(xin)(xin)(xin)息(xi)(xi)，這(zhe)是美國ZestFinance公司(si)所(suo)缺少的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)，而且(qie)(qie)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)也(ye)更加精準，只要合(he)理(li)運(yun)(yun)用(yong)(yong)(yong)(yong)(yong)(yong)收集(ji)(ji)到(dao)(dao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)，螞(ma)(ma)(ma)(ma)(ma)(ma)(ma)蟻(yi)(yi)小(xiao)貸(dai)(dai)(dai)(dai)(dai)(dai)就(jiu)可(ke)以(yi)(yi)(yi)(yi)對(dui)(dui)(dui)客戶(hu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)進(jin)(jin)(jin)行(xing)(xing)評(ping)判(pan)(pan)，并(bing)在借(jie)(jie)(jie)(jie)(jie)貸(dai)(dai)(dai)(dai)(dai)(dai)前(qian)(qian)(qian)(qian)期、中(zhong)(zhong)(zhong)期、后(hou)期及(ji)時(shi)給(gei)予(yu)預(yu)警信(xin)(xin)(xin)(xin)號。2.建(jian)立(li)大(da)(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)基礎(chu)處(chu)理(li)設(she)施(shi)。2009年阿(a)(a)(a)里(li)(li)集(ji)(ji)團(tuan)(tuan)開發(fa)(fa)了(le)(le)云(yun)計(ji)算(suan)(suan)系(xi)統(tong)，阿(a)(a)(a)里(li)(li)將(jiang)精力(li)(li)投(tou)入(ru)到(dao)(dao)云(yun)計(ji)算(suan)(suan)系(xi)統(tong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)設(she)計(ji)與(yu)(yu)(yu)(yu)開發(fa)(fa)，其(qi)宗旨是創(chuang)造全(quan)(quan)球(qiu)領(ling)先(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)云(yun)計(ji)算(suan)(suan)平(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)，成(cheng)(cheng)為(wei)全(quan)(quan)球(qiu)最先(xian)進(jin)(jin)(jin)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)可(ke)以(yi)(yi)(yi)(yi)同時(shi)進(jin)(jin)(jin)行(xing)(xing)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)收集(ji)(ji)、分(fen)(fen)析以(yi)(yi)(yi)(yi)及(ji)處(chu)理(li)于(yu)(yu)一(yi)體的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)服務企(qi)(qi)業(ye)(ye)(ye)。該(gai)系(xi)統(tong)不(bu)僅可(ke)以(yi)(yi)(yi)(yi)提供大(da)(da)(da)(da)規模(mo)(mo)(mo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)分(fen)(fen)布式(shi)(shi)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)處(chu)理(li)為(wei)日后(hou)其(qi)他企(qi)(qi)業(ye)(ye)(ye)、平(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)大(da)(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)計(ji)算(suan)(suan)功能(neng)(neng)、處(chu)理(li)功能(neng)(neng)以(yi)(yi)(yi)(yi)及(ji)存(cun)儲(chu)功能(neng)(neng)提供最佳的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)解(jie)決方法(fa)，這(zhe)套云(yun)計(ji)算(suan)(suan)系(xi)統(tong)也(ye)為(wei)阿(a)(a)(a)里(li)(li)集(ji)(ji)團(tuan)(tuan)進(jin)(jin)(jin)軍大(da)(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)領(ling)域助力(li)(li)。目前(qian)(qian)(qian)(qian)阿(a)(a)(a)里(li)(li)云(yun)計(ji)算(suan)(suan)已(yi)經建(jian)立(li)了(le)(le)金融云(yun)計(ji)算(suan)(suan)和(he)(he)(he)(he)電商(shang)云(yun)計(ji)算(suan)(suan)等(deng)(deng)不(bu)同的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)云(yun)計(ji)算(suan)(suan)服務平(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)，如我(wo)(wo)們熟知的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)支付寶(bao)和(he)(he)(he)(he)余(yu)額(e)寶(bao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)也(ye)均被收入(ru)在阿(a)(a)(a)里(li)(li)云(yun)計(ji)算(suan)(suan)服務中(zhong)(zhong)(zhong)。3.利用(yong)(yong)(yong)(yong)(yong)(yong)大(da)(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)降(jiang)低征(zheng)(zheng)信(xin)(xin)(xin)(xin)成(cheng)(cheng)本(ben)。純(chun)中(zhong)(zhong)(zhong)介(jie)P2P網(wang)(wang)(wang)貸(dai)(dai)(dai)(dai)(dai)(dai)平(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)征(zheng)(zheng)信(xin)(xin)(xin)(xin)系(xi)統(tong)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)信(xin)(xin)(xin)(xin)息(xi)(xi)大(da)(da)(da)(da)多(duo)來(lai)(lai)自(zi)平(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)與(yu)(yu)(yu)(yu)各(ge)大(da)(da)(da)(da)第(di)三方征(zheng)(zheng)信(xin)(xin)(xin)(xin)公司(si)，屬于(yu)(yu)二(er)手數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)，數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)獲(huo)(huo)得(de)可(ke)能(neng)(neng)會(hui)耗費(fei)(fei)財力(li)(li)且(qie)(qie)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)信(xin)(xin)(xin)(xin)息(xi)(xi)不(bu)一(yi)定(ding)準確，美國的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)ZestFinance搜(sou)集(ji)(ji)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)大(da)(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)信(xin)(xin)(xin)(xin)息(xi)(xi)大(da)(da)(da)(da)多(duo)來(lai)(lai)源于(yu)(yu)線上(shang)，獲(huo)(huo)得(de)方式(shi)(shi)比較(jiao)便捷，耗費(fei)(fei)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)人(ren)(ren)力(li)(li)物(wu)力(li)(li)資源等(deng)(deng)成(cheng)(cheng)本(ben)較(jiao)低。阿(a)(a)(a)里(li)(li)巴(ba)(ba)巴(ba)(ba)與(yu)(yu)(yu)(yu)之(zhi)類似，但是其(qi)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)都(dou)(dou)是憑借(jie)(jie)(jie)(jie)(jie)本(ben)集(ji)(ji)團(tuan)(tuan)內(nei)(nei)自(zi)有(you)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)，可(ke)以(yi)(yi)(yi)(yi)通過螞(ma)(ma)(ma)(ma)(ma)(ma)(ma)蟻(yi)(yi)小(xiao)貸(dai)(dai)(dai)(dai)(dai)(dai)等(deng)(deng)平(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)內(nei)(nei)部數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)庫獲(huo)(huo)得(de)，一(yi)手數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)無(wu)(wu)(wu)需(xu)消耗額(e)外的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)人(ren)(ren)力(li)(li)、財力(li)(li)。貸(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)全(quan)(quan)部操作都(dou)(dou)在線上(shang)進(jin)(jin)(jin)行(xing)(xing)，不(bu)需(xu)要耗費(fei)(fei)投(tou)資人(ren)(ren)與(yu)(yu)(yu)(yu)借(jie)(jie)(jie)(jie)(jie)貸(dai)(dai)(dai)(dai)(dai)(dai)人(ren)(ren)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)時(shi)間成(cheng)(cheng)本(ben)，借(jie)(jie)(jie)(jie)(jie)貸(dai)(dai)(dai)(dai)(dai)(dai)完成(cheng)(cheng)后(hou)平(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)也(ye)只需(xu)要關注系(xi)統(tong)中(zhong)(zhong)(zhong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)進(jin)(jin)(jin)行(xing)(xing)分(fen)(fen)析即可(ke)，如若出(chu)現(xian)了(le)(le)逾期和(he)(he)(he)(he)違約(yue)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)情況，也(ye)無(wu)(wu)(wu)需(xu)上(shang)門討債(zhai)，只需(xu)將(jiang)用(yong)(yong)(yong)(yong)(yong)(yong)戶(hu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)芝麻信(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)積(ji)分(fen)(fen)下(xia)(xia)(xia)降(jiang)，必要時(shi)凍結(jie)支付寶(bao)限制用(yong)(yong)(yong)(yong)(yong)(yong)戶(hu)網(wang)(wang)(wang)購(gou)即可(ke)，這(zhe)些都(dou)(dou)可(ke)以(yi)(yi)(yi)(yi)在線上(shang)完成(cheng)(cheng)，幫助平(ping)(ping)(ping)(ping)(ping)(ping)臺(tai)(tai)(tai)降(jiang)低運(yun)(yun)行(xing)(xing)管(guan)理(li)成(cheng)(cheng)本(ben)。

僅(jin)對P2P網貸(dai)平(ping)臺進行(xing)征(zheng)信(xin)(xin)系統(tong)的(de)(de)管理是遠遠不(bu)夠的(de)(de)，還要進行(xing)其他方(fang)面的(de)(de)風(feng)險(xian)(xian)控(kong)制，如市場風(feng)險(xian)(xian)、技術風(feng)險(xian)(xian)等。本文僅(jin)從(cong)大數據(ju)征(zheng)信(xin)(xin)方(fang)面去解決(jue)P2P網貸(dai)平(ping)臺的(de)(de)信(xin)(xin)用風(feng)險(xian)(xian)問題，可以從(cong)更廣泛(fan)的(de)(de)視角解決(jue)P2P平(ping)臺其他方(fang)面的(de)(de)風(feng)險(xian)(xian)。

作者:紀詩諾 單位:華僑大學工商管(guan)理(li)學院