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平安壹賬通:大數據及區塊鏈助審批 貸款申請至批出平均僅需四天
阿思達克 11-03 16:25
平安壹賬通銀行行政總裁馮鈺龍出席金融科技週時表示,透過大數據分析及區塊鏈技術,即使中小企過往未有與該行往來,亦能為他們在一日內開設帳戶,並提供預先審批貸款服務,由申請到批出貸款可在五天內完成,而據該行的數據顯示平均由申請到批出貸款實際僅需四天。

他指出由於數據已預先經電子平台進行分析,所以能以較低成本為中小微企提供服務,亦解釋了為何貸款金額相對細、資訊有限的情況下,公司仍能在有盈利的情況下服務中小微企。

他承認當中亦有一定的困難,除了需要教育市場,亦要努力向潛在的數據擁有人解釋,以貿易為例行業有很多數據可用於建立模型、服務中小微企,並有助提供更多的應用場景。他指出公司成立初期已將另類信貸數據的應用作為其核心策略,期望可透過另類信貸數據帶來差異化的服務,相信除了有助營運更有效率、改善KYC(認識你的客戶)及反洗錢外,亦期望能推動普惠金融。(el/k) ~

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