"The batch of teapots that have long been optimistic can finally be purchased!" Wu Ping, who runs an antique shop on the first floor of the Aijia International Collectibles Market, is in a good mood. A few minutes ago, a 600,000 yuan "POS loan" from CITIC Bank had just entered his account.
Wu Ping's shop mainly sells master-grade teapots, which are famous in the circle. The price of the fine teapot is now rising, even the old sellers like Wu Ping have recently been unable to stock because of short-term funds. This loan is an urgent need for him.
However, there is neither a mortgaged property nor a guarantee company. What is the bank’s loan issued? Wu Ping pointed to a POS machine installed in the store. With the stable POS machine flow data in the past 6 months, the bank passed the review and released the loan.
This kind of product called “POS Loan†is precisely the innovative combination of big data and small and micro enterprise financing methods.
Banks analyze the flow of POS machines one by one. In order to solve the problem of shortage of funds, Wu Ping also consulted some banks. However, most of the bank's operating loans are mortgage loans, which require mortgaged property. Wu Ping’s housing is also a temporary housing, at least two years to get a real estate license.
After hearing that the bank has a kind of "POS loan" product, there is no need for collateral. After simply relying on the POS machine's credit card to be able to lend the news, Wu Ping came to the spirit. His store has at least 300,000 yuan of POS per month.
On June 20 this year, with the idea of ​​trying it out, Wu Ping proposed a “POS loan†application of 600,000 yuan to the bank. What he didn't expect was that on the day the application was handed in, the bank passed the review and arranged the loan.
“The process from auditing to lending seems to be fast and convenient. In fact, it relies on the big data calculation of the bank.†Wang Fang, deputy general manager of CITIC Bank’s Beijing Small Business Finance Department, said that after receiving the “POS loan†application from the merchant At the same time, the bank's data center began to retrieve the POS machine flow data of the merchant in the past 6 months. Under the bank's complete set of professional analysis systems, the hidden "business capability map" in these data is gradually clear. “Combining 6-month-long credit card data, how much a merchant’s peak sales can reach, how many customers, and sales capabilities can be fully displayed.â€
If the abnormal data is rejected, it can be accepted. If there is a certain amount of credit card flow, you can apply for a loan from the bank. Then you only need to find an acquaintance to go to the store, use the POS machine to repeatedly swipe the card, and you can not artificially create an illusion of "sufficient water". ?
Those who are counting on this method to defraud the loan, the wishful thinking is afraid to be defeated.
"Big big data analysis can not only look at the card flow, but to comprehensively consider a variety of situations." Ren Qiu Shi, assistant general manager of the online banking department of the CITIC Bank head office, revealed that the bank's POS machine card flow data for merchants Sorting out, will see if there are abnormal trading situations. "For example, in the case of large transactions that exceed the actual situation of the business, the average POS machine credit card flow per month is 500,000 yuan. This month suddenly increased sharply or drastically decreased several times, and the system will automatically reduce this data in the overall analysis. The weight of the data makes the abnormal data not have an excessive impact on the approval results."
Wang Fang also suggested that if the number of POS machines in the merchants is found to be significantly higher than the normal level, or there are obvious related transactions, such as two accounts to pour money back and forth, the bank will immediately check the authenticity of the data. “The system will warn of abnormal transactions. For the flow records that cannot prove reasonableness, they will not be accepted during credit approval.â€
With the bank's mastery and analysis of POS machine credit card big data, "POS Loan" has brought convenience to merchants, and it has become a fist product for banks to support the development of small and micro enterprises. According to the data released by the CITIC Bank Head Office, the “POS Loan†has a monthly loan amount of more than 100, and has a high product reputation.
Knowledge angle big data is another subversive technological change in the IT industry after cloud computing and Internet of Things. Data is a truly valuable asset. The business transaction information within the enterprise, the commodity logistics information in the Internet of Things world, the interaction information and location information of people in the Internet world, the number will far exceed the carrying capacity of the existing enterprise IT architecture and infrastructure, real-time Requirements will also greatly exceed existing computing capabilities. How to revitalize these data assets to serve national governance, corporate decision-making and even personal life is the core issue of big data.
The era of big data will trigger a new round of information investment and construction boom. According to IDC, by 2020, the world will have a total of 35ZB (1ZB = 1 trillion GB) of data, which is about 47 times the sum of all the sand on the earth; if the 35ZB is stored in Blu-ray, the disc The weight will be comparable to 424 Nimitz-class aircraft carriers. McKinsey predicts that the future application of big data products in the three major industries will generate a potential market of 700 billion US dollars. The potential market size of China's big data products is expected to reach 1.57 trillion yuan in the future, which will open up a new gold for the IT industry. era.
Wu Ping's shop mainly sells master-grade teapots, which are famous in the circle. The price of the fine teapot is now rising, even the old sellers like Wu Ping have recently been unable to stock because of short-term funds. This loan is an urgent need for him.
However, there is neither a mortgaged property nor a guarantee company. What is the bank’s loan issued? Wu Ping pointed to a POS machine installed in the store. With the stable POS machine flow data in the past 6 months, the bank passed the review and released the loan.
This kind of product called “POS Loan†is precisely the innovative combination of big data and small and micro enterprise financing methods.
Banks analyze the flow of POS machines one by one. In order to solve the problem of shortage of funds, Wu Ping also consulted some banks. However, most of the bank's operating loans are mortgage loans, which require mortgaged property. Wu Ping’s housing is also a temporary housing, at least two years to get a real estate license.
After hearing that the bank has a kind of "POS loan" product, there is no need for collateral. After simply relying on the POS machine's credit card to be able to lend the news, Wu Ping came to the spirit. His store has at least 300,000 yuan of POS per month.
On June 20 this year, with the idea of ​​trying it out, Wu Ping proposed a “POS loan†application of 600,000 yuan to the bank. What he didn't expect was that on the day the application was handed in, the bank passed the review and arranged the loan.
“The process from auditing to lending seems to be fast and convenient. In fact, it relies on the big data calculation of the bank.†Wang Fang, deputy general manager of CITIC Bank’s Beijing Small Business Finance Department, said that after receiving the “POS loan†application from the merchant At the same time, the bank's data center began to retrieve the POS machine flow data of the merchant in the past 6 months. Under the bank's complete set of professional analysis systems, the hidden "business capability map" in these data is gradually clear. “Combining 6-month-long credit card data, how much a merchant’s peak sales can reach, how many customers, and sales capabilities can be fully displayed.â€
If the abnormal data is rejected, it can be accepted. If there is a certain amount of credit card flow, you can apply for a loan from the bank. Then you only need to find an acquaintance to go to the store, use the POS machine to repeatedly swipe the card, and you can not artificially create an illusion of "sufficient water". ?
Those who are counting on this method to defraud the loan, the wishful thinking is afraid to be defeated.
"Big big data analysis can not only look at the card flow, but to comprehensively consider a variety of situations." Ren Qiu Shi, assistant general manager of the online banking department of the CITIC Bank head office, revealed that the bank's POS machine card flow data for merchants Sorting out, will see if there are abnormal trading situations. "For example, in the case of large transactions that exceed the actual situation of the business, the average POS machine credit card flow per month is 500,000 yuan. This month suddenly increased sharply or drastically decreased several times, and the system will automatically reduce this data in the overall analysis. The weight of the data makes the abnormal data not have an excessive impact on the approval results."
Wang Fang also suggested that if the number of POS machines in the merchants is found to be significantly higher than the normal level, or there are obvious related transactions, such as two accounts to pour money back and forth, the bank will immediately check the authenticity of the data. “The system will warn of abnormal transactions. For the flow records that cannot prove reasonableness, they will not be accepted during credit approval.â€
With the bank's mastery and analysis of POS machine credit card big data, "POS Loan" has brought convenience to merchants, and it has become a fist product for banks to support the development of small and micro enterprises. According to the data released by the CITIC Bank Head Office, the “POS Loan†has a monthly loan amount of more than 100, and has a high product reputation.
Knowledge angle big data is another subversive technological change in the IT industry after cloud computing and Internet of Things. Data is a truly valuable asset. The business transaction information within the enterprise, the commodity logistics information in the Internet of Things world, the interaction information and location information of people in the Internet world, the number will far exceed the carrying capacity of the existing enterprise IT architecture and infrastructure, real-time Requirements will also greatly exceed existing computing capabilities. How to revitalize these data assets to serve national governance, corporate decision-making and even personal life is the core issue of big data.
The era of big data will trigger a new round of information investment and construction boom. According to IDC, by 2020, the world will have a total of 35ZB (1ZB = 1 trillion GB) of data, which is about 47 times the sum of all the sand on the earth; if the 35ZB is stored in Blu-ray, the disc The weight will be comparable to 424 Nimitz-class aircraft carriers. McKinsey predicts that the future application of big data products in the three major industries will generate a potential market of 700 billion US dollars. The potential market size of China's big data products is expected to reach 1.57 trillion yuan in the future, which will open up a new gold for the IT industry. era.
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