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平安壹账通:大数据及区块链助审批 贷款申请至批出平均仅需四天
阿思达克 11-03 16:25
平安壹账通银行行政总裁冯钰龙出席金融科技周时表示,透过大数据分析及区块链技术,即使中小企过往未有与该行往来,亦能为他们在一日内开设帐户,并提供预先审批贷款服务,由申请到批出贷款可在五天内完成,而据该行的数据显示平均由申请到批出贷款实际仅需四天。

他指出由於数据已预先经电子平台进行分析,所以能以较低成本为中小微企提供服务,亦解释了为何贷款金额相对细、资讯有限的情况下,公司仍能在有盈利的情况下服务中小微企。

他承认当中亦有一定的困难,除了需要教育市场,亦要努力向潜在的数据拥有人解释,以贸易为例行业有很多数据可用於建立模型、服务中小微企,并有助提供更多的应用场景。他指出公司成立初期已将另类信贷数据的应用作为其核心策略,期望可透过另类信贷数据带来差异化的服务,相信除了有助营运更有效率、改善KYC(认识你的客户)及反洗钱外,亦期望能推动普惠金融。(el/k) ~

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