Hebei Happiness Consumer Finance Co., Ltd. is the first consumer finance company in Hebei Province approved by the former China Banking Regulatory Commission. The company officially opened on June 20 14 17. After more than two years of development, the company's consumer finance ecosystem was initially established, and its development resilience was significantly improved. The product system was initially formed, and the ability to obtain customers was gradually improved; The construction of the risk control system has gradually grown, and the asset management capability has continued to improve. In the process of innovation and exploration, the differentiated core competence of technology-driven, smart finance and inclusive finance has been initially formed, which has been recognized by all sectors of society.
The first is technology-driven. Efforts should be made to raise awareness of scientific and technological development, give full play to the driving force of scientific and technological innovation, actively discover business needs, solve business problems by scientific and technological means, continuously optimize production systems, enhance operational capabilities, improve production efficiency, precipitate scientific and technological assets, try to export science and technology, and create an open consumer finance platform 3.0, so that the comprehensive strength of science and technology can enter the forefront of the industry.
The second is smart finance. In the field of new technology application, we constantly explore and try to build a private cloud platform by using cloud computing technology to achieve the goal of highly flexible system architecture; Precipitate data assets based on big data platform, laying the foundation for risk modeling, real-time analysis and data-driven development; Using artificial intelligence technology and face verification comparison can effectively prevent the risk of fraud; Using blockchain technology to participate in the national application competition, the application exploration of blockchain technology in the financial field has been recognized by authority.