ã€World Wide Web Reporter Zhang Yang】 On March 23, 2017, the Boao Forum for Asia with the theme of “Facing the Future of Globalization and Free Trade†was opened in Boao, Hainan. The forum has set up a "Fintech, Finance, or Science and Technology" round table forum, and domestic and international heavyweight experts and scholars and business elites to discuss the development direction of financial technology. JD Finance CEO Chen Shengqiang believes that risk control must be the core of both finance and technology. For the future, data will always know you better than you.
At the forum, Jingdong Chen, CEO of JD Finance, first analyzed and distinguished the three hottest concepts “Internet Financeâ€, “Financial Technology†and “Technology Financeâ€. Chen Shengqiang believes that Internet finance is an expansion of the scene, mostly using the Internet as a sales channel for financial products; science and technology finance is the technology used by Internet companies to make financial products for themselves; and financial technology is a revolution in technology that uses technology to help the industry improve efficiency and reduce cost.
Chen Shengqiang also pointed out in detail the difference between financial science and technology finance. He said: "We define this thing. Actually, financial technology is for financial institutions. And technology finance is more about saying that I use technology to do business for myself. No matter which concept It is necessary to respect the essence of finance first, use data as a basis, technology as a means, and provide services for traditional financial services. Being able to help traditional financial institutions to increase efficiency, reduce costs, and increase revenue at the same time is called true financial technology."
He took the example of the white paper on consumer finance business as an example: “In fact, white bars have already been applied to 30,000 variables. If we simply use traditional technologies, we can't achieve them at all. So we will use machine learning and artificial intelligence technologies here. 30,000 variables, using the 30,000 variables, scored 200 million Chinese people, so that when actually issuing each loan, no manual review was required, and the machine put the money out. In fact, it is equal to zero, but the initial investment is large, and a large number of machine inputs and system inputs are required. This is a dimension, including an anti-fraud system and an anti-money laundering system that must be built. In the end, it can truly be a financial business."
In the end, Chen Qiangsheng thinks risk pricing is the core foundation regardless of the concept. For the future, he said, “In one word, you know more about you than you. Maybe before you don’t realize it, you may Your series of data, a series of actions, will provide you with the corresponding products. The future will certainly not be a single loan or investment, but an overall financial solution."
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