"Anti Fraud" Has Become A New Upgrade Point Of Wind Control.

The Internet financial industry is coming to life, and every day you perform the drama that you have sung to me.

However, the essence of finance, no matter in the traditional financial era or the Internet Financial age, can not surpass the risk and credit of the super time pricing and matching. Risk is compared to "black swan".

Especially for the P2P net loan platform, wind control is the cornerstone of all actions, whether it is financing or planning for listing, or seeking pformation. It is related to the survival of the platform.

"Generally speaking, there are several risks in the P2P industry, including credit risk, moral hazard, technology risk, liquidity risk and policy risk," a network loan platform wind control chief told reporters.

According to statistics released by Pratt & Whitney Financial Information Service Co., Ltd., a database of credit and audit data has been published, 16 of the 100 cases of loan rejection have involved deliberate fraud or fraud in varying degrees. Fraud has become one of the biggest enemies of P2P platform.

In this regard, Wei Wei, chairman of the financial workshop, said in an interview with reporters that because of the low cost of network fraud and the difficulty of identifying fraudulent loans, a large number of false pactions such as intermediary agency applications and false identity application loans have made the P2P platform face enormous challenges of wind control.

"To fundamentally solve the problem of net loan fraud, we need a dynamic upgrading of anti fraud measures."

The leading company of anti fraud, Mr Ma Chun, CSO, executive vice president of shield technology, told reporters that the company now has more than 1000 customers and nearly 500 Internet related financial clients.

"The fraud that we excluded last year accounted for about 2% to 5% per 100, and this year has risen to two figures, and the proportion of fraudulent persons has also been increased."

Swindling gangs walk in different industries, and now the trend of Internet financial pfer is accelerating.

Therefore, it is imperative to implement cross industry joint defense and joint control.

In fact, in many wind control systems of many platforms, anti fraud has been listed as the key point.

According to the statistics released by Pratt & Whitney Financial Information Services Limited, 16 of the 100 cases of loan refusal have been deliberately fraudulent or fraudulent, and fraud has become one of the biggest enemies of P2P platform.

Among them, quite a few fraudulent acts are undertaken by professional agents on the market, and are composed of people who are familiar with the P2P audit process, specially helping the information package of deliberately fraudulent persons.

Some people in the industry believe that the serious cause of deliberate fraud in the P2P industry is mainly due to the low cost of online fraud and the rapid updating of fraud technology. Secondly, the imperfections of the social personal credit system have also contributed to the proliferation of counterfeiting behavior.

Wei Wei told reporters that in the P2P industry, a considerable degree of loan rejection projects involve different degrees of fraud and deception.

In order to pass the audit, the less qualified borrowers will do some tricks in filling in the basic information, such as professional information fraud, social relations fraud and proof of fraud.

However, professional fraudulent gangs generally resort to other people's identity applications and group loans.

In order to deal with fraud, many P2P platforms have established an anti fraud system.

For example, the "magic mirror" wind control system launched by Pat, which includes the anti fraud module, adopts the mode of "machine + human", scoring the risk of each loan.

The quantified part is done by the machine, for example, the highest and lowest part of the risk score is automatically rejected and passed by the system. When the machine is difficult to distinguish, the anti fraud team will follow up manually.

Prof Hui financial sub company also released a dynamic anti fraud model, which incorporated the fraud rules into the mathematical model. The computer adjusted itself according to the characteristics of each link in the credit review process and the previous audit results, so as to screen false information and fraud.

That is to say, in the process of credit evaluation of loan applicants, the model automatically selects some specific behaviors and scores the behavior, which will directly affect the borrower's borrowing quota and interest rate.

In addition to building its own anti fraud system, many P2P platforms have chosen to cooperate with third party providers.

For example, Yixin company, advantageous network, search and loan, heli loan, everyone enrichment, sunshine insurance, annun finance, network credit management, credit treasure and other enterprises have become the first customers of FICO credit scoring decision cloud platform service.

In addition, building blocks, Jin Lian, bang bang Tong, financial workshops and other platforms have also been docking with shield technology's anti fraud cloud services, strengthening the defense system.

In this regard, Wei Wei said, "platform and shield technology."

The idea of wind control will greatly promote the healthy and steady development of the industry.

"Platform wind control is not" behind closed doors ", a good wind control system needs not only comprehensive data information as support, but also acceptance of market inspection, and continuous collision in market financial practice is more conducive to the improvement of wind control system.

In the future, with the further exploitation of the value of big data, "cloud computing" and "collaborative" operations will become new topics of net loan control.

At yesterday's CRO global summit on Inclusive Finance, Li Yinghao, chief financial officer of the 360 chief financial officer, said, "risk management is the core competitiveness of financial institutions. Recently, many industry experts have suggested that risk management is also the core competitiveness of the Internet finance, which is the core competitiveness of Pu Huijin's financial system. The core competitiveness of Internet finance is not the ability of the Internet, but the ability of risk management."

Especially in the industry environment with more than 3000 platforms, wind control capability has become the core competitiveness of every P2P platform, and all platforms have built a perfect, rigorous and distinctive wind control system.

Li Xiaomei, deputy general manager of pony finance, a P2P platform with the "banking system" gene, told reporters that in the wind control technology, the platform adopted the German IPC wind control system. "This is an advanced wind control technology in the domestic banking system, and it is a risk control system focused on small loans".

At the same time, according to her, the existing credit teams of Pony Ma are all experienced IPC credit technicians in the original banking system.

The core of IPC technology lies in the cross examination of the borrower's cash flow, assets and liabilities, and other soft information, and the use of a special authorization system and management system to control risks.

In addition, in addition to ensuring the safety of loans at the source, pony finance also has the risk control system, bank capital custody, and Tianan property insurance underwriting insurance measures for credit performance insurance.

Not long ago, P2P platform financial fan launched an active defense system called "deep blue", aiming to eliminate potential high-risk assets through quantitative and structured risk defense mechanisms.

Risk control has always been the core of Internet finance, and it is no exception to financial fan.

Since the platform was launched, financial management has been sticking to strict risk control standards.

Efforts have been made from the strict access of cooperative agencies, strict pre loan review and improvement of post loan management.

The publication of the deep blue system is not only a summary of experience, but also an upgrade of wind control, "according to reporters.

In addition to the P2P platform, many comprehensive Internet Financial platforms have unique features in wind control.

Take digging for money, for example, the platform will decompose the wind control of product cooperation with the enterprise into 12 steps: preliminary communication, paction structure discussion, online adjustment and data feedback, online data wind control audit.

"Participation in wind control is not only in the traditional sense, but also in the BD department, clearing department and operation Department responsible for external cooperation and communication.

As a result, each post will take wind control thinking to work.

This management mode that infiltrates risk management into every step of business is also known as comprehensive risk management. It is a very popular management mode of traditional financial institutions in recent years, "Zhao Yongpeng, vice president of dug finance, said in an interview with reporters.

The foregoing network loan platform wind control controller briefed the reporter: first, credit risk.

Compared with foreign countries, because there is no perfect and mature credit information system, the domestic P2P can not understand the borrower's credit status through the credit information system, carry out effective risk control and post loan management, and lenders can not get the real information of the platform and borrowers.

"The problem of asymmetric information makes the main body of the relationship bear more capital risks and become the main cause of credit risk". The two is moral hazard. In fact, simply speaking, the platform is a "running road". For example, some platforms are set up for the purpose of collecting money, some of which are poor and choose to run.

The specific performance of such platforms is that the head of the platform illegally raises funds, releases false information and false enterprise information.

The three is technical risk.

At present, there are three major technical risks, including websites being hacked, investors' accounts stolen, personal privacy being leaked, and four, liquidity risk. This generally means that although financial institutions have solvency, they can not get sufficient funds in time or unable to obtain sufficient funds at reasonable cost and time to cope with asset growth or to pay the debt risk of maturity.

In the net loan industry, this kind of risk is often caused by the dismantling of the tender.

It should be noted that the P2P net loan is the evolution and innovation of private lending. Although it carries on the capital paction through the way of Internet, its essence is still finance.

Affected by the economic situation, market environment and many factors mentioned above, financial risks do exist objectively.

Therefore, reducing risk as much as possible depends on

Construction of various wind control measures for the platform.

In particular, our country is in the stage of economic downturn. The net loan industry has entered a high risk period. Having a sound and sound risk management system has become the key to the survival of the Internet financial enterprises.

For the net loan platform, wind control is the core competitiveness.

But once and for all

It does not solve the risk of changing rapidly. It needs a dynamic and comprehensive wind control system.

In addition to strict self-discipline and compliance with the moral bottom line, the platform also needs to build a wind control system in many dimensions, such as front-end credit reporting, platform information technology, financial risk prevention and control, legal compliance construction and so on.

Wei Wei said frankly that in the future, only the platform for controlling and preventing risks in all aspects can be foothold in the increasingly fierce industry competition and changing industry environment, so as to protect investors' rights and interests and get investors' trust.