Where is the general data source of credit information system of small loan P2P company?

P2P collects user data through UnionPay data, education certification, data from eight credit reporting agencies, e-commerce consumption records, blacklists, etc. As far as the current market situation is concerned, the eight institutions may be free when they first go online, but with the maturity of the market, the charging system will be gradually adopted in the future.

Generally speaking, P2P will not go out of the sight of credit reporting. On the one hand, personal credit reporting agencies provide common ground for P2P platform as reference, and at the same time provide anti-fraud and collection services. On the other hand, P2P platform contributes data to personal credit reporting agencies. I believe that with the continuous development and testing of the credit information industry, the interests of investors will be more protected in the future.

Small P2P, in particular, may have different puzzles in data acquisition, screening and use. Some practitioners say that it is difficult to judge the validity of accessing data. In order to meet the urgent demand of small and micro financial institutions such as P2P for credit reporting, domestic service providers specializing in the integration of credit reporting data resources and automatic decision-making of risk control have emerged, as well as the big data risk control platform jointly developed by Shenzhou Rong and Experian, the world's largest credit reporting agency. Based on the concept of "one-stop access to credit information", it took the lead in docking with many credit information agencies, and integrated 3000+ dimensional basic data, transaction data and behavior data of credit application scenarios such as domestic authoritative third-party credit information agencies and e-commerce platforms, covering users' transactions, behaviors, identities, education, industry and commerce, communications, various anti-fraud rules and scorecards. Driven by the process engine, replaced by the decision engine, to achieve rapid and rapid judgment.

The establishment of this big data credit mechanism based on product screening, big data packaging and risk control will make it possible to realize accurate and batch risk pricing, and break the problems of high cost, poor timeliness and lack of objectivity that have always relied solely on offline auditing. With the introduction of innovative technologies such as the Internet and big data, the credit information industry will also undergo rapid changes.

I hope I can help you, and I hope to adopt it!