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Huang Yiping: Big data risk control helps inclusive finance<\/h3>\n\n\n\n
On August 26, the first 2023 International Finance News Fintech Innovation Forum was held in Beijing, and Huang Yiping, deputy dean of the National School of Development of Peking University, director of the Peking University Digital Finance Research Center and member of the 50-member forum, delivered a keynote speech.<\/p>\n\n\n\n
Huang Yiping said that inclusive finance is difficult to do, one of the important reasons is that credit risk assessment is difficult. Data is the “oil of the new economy”, and the credit risk assessment supported by data provides a very important way to improve the credit services of small and micro enterprises. CXO UNION-CXO\u8054\u76df\uff08cxounion.cn\uff09<\/mark><\/p>\n\n\n\n
First, the global flowering of central bank digital currency is expected<\/h4>\n\n\n\n
“Digital finance has reached a very important point.” Huang Yiping recalled that 2013 is the first year of the development of Internet finance in China. After ten years of development, China’s digital finance has gone through relatively great development, but it will also be seen that business development is an unbalanced process, which is currently doing better is mobile payment. The effect of big technology credit is also good, the use of digital technology to support credit decisions, on the one hand with the platform to obtain customers, on the other hand with data to support credit risk assessment.<\/p>\n\n\n\n
Huang Yiping believes that the new development of digital finance in the future is mainly reflected in the following aspects: First, most of all digital financial businesses are based on the consumer Internet, and the supply chain will play a greater role in the future. Second, many of the most active digital financial innovation institutions in the past were dominated by technology companies, but there has been some shift, and now traditional financial institutions are playing an increasing role. Third, we can see the development of new business forms, and the central bank digital currency is expected to blossom globally in the next 10 years, hoping that China can continue to take the lead.<\/p>\n\n\n\n
Second, data support credit risk assessment<\/h4>\n\n\n\n
“Data has been called the ‘oil of the new economy.'” In recent years, Huang Yiping has been thinking about how to use data to support systematic risk decisions. In response to the concern about the financing difficulties of small, medium-sized and micro enterprises, he admitted that inclusive finance is more difficult to do, the direct reason is that traditional financial institutions to reach inclusive finance customers is more difficult, and more importantly, it is more difficult to do credit risk assessment for them.<\/p>\n\n\n\n
Huang Yiping further analysis, traditional financial institutions in the past to do systematic risk assessment there are three main ways, one is to rely on financial data, the second is mortgaged assets, the third is the so-called relationship loans. These are very effective means of risk control, but when it comes to the target of inclusive finance, namely, small and medium-sized enterprises, low-income families, and rural economic entities, these three methods have the problem of low feasibility and high cost. CXO UNION-CXO\u8054\u76df\uff08cxounion.cn\uff09<\/mark><\/p>\n\n\n\n
“Data-supported credit risk assessment provides a very important way to improve credit services for small and micro enterprises.” Huang Yiping said that data in digital finance has achieved real results, helping to identify credit risks and do credit risk assessment.<\/p>\n\n\n\n
“The most prominent is that credit can be provided to many customers who did not meet traditional bank lending criteria in the past.” In other words, using big data risk control methods can provide enterprises with credit assessment to provide credit.” Huang Yiping continued to say that this is actually an innovative invention of a digital credit on the basis of the original credit, these customers were originally credit, but the traditional method can not be a good credit discovery or identification, so the problem of credit difficulties. CXO UNION-CXO\u8054\u76df\uff08cxounion.cn\uff09<\/mark><\/p>\n\n\n\n
Third, the problem of information asymmetry needs to be solved urgently<\/h4>\n\n\n\n
The question is, how do you count the data element resources, how do you add them to the balance sheet? Huang Yiping said that if the data element becomes an asset in the balance sheet and becomes part of the new finance, it will be very promising in the future. The main function of data is to help identify and reflect the existing credit level of an organization or an individual.<\/p>\n\n\n\n
For how to effectively use data elements, Huang Yiping pointed out that the fundamental lies in whether the trading market system can be done. The transaction of data elements needs to solve a big problem, that is, information asymmetry. Whether the two sides of the data transaction can know the information of the supply and demand sides, if there is no trust, there will be many problems in the future. For example, under what kind of policy framework, the authority is guaranteed to support the transaction, which also puts high requirements on the company’s technology. Because China has many restrictions on data, especially regarding privacy, trade secrets, national security and so on.<\/p>\n\n\n\n
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Huang Yiping: Big data risk control helps inclusive finance<\/h3>\n\n\n\n
On August 26, the first 2023 International Finance News Fintech Innovation Forum was held in Beijing, and Huang Yiping, deputy dean of the National School of Development of Peking University, director of the Peking University Digital Finance Research Center and member of the 50-member forum, delivered a keynote speech.<\/p>\n\n\n\n
Huang Yiping said that inclusive finance is difficult to do, one of the important reasons is that credit risk assessment is difficult. Data is the “oil of the new economy”, and the credit risk assessment supported by data provides a very important way to improve the credit services of small and micro enterprises. CXO UNION-CXO\u8054\u76df\uff08cxounion.cn\uff09<\/mark><\/p>\n\n\n\n
First, the global flowering of central bank digital currency is expected<\/h4>\n\n\n\n
“Digital finance has reached a very important point.” Huang Yiping recalled that 2013 is the first year of the development of Internet finance in China. After ten years of development, China’s digital finance has gone through relatively great development, but it will also be seen that business development is an unbalanced process, which is currently doing better is mobile payment. The effect of big technology credit is also good, the use of digital technology to support credit decisions, on the one hand with the platform to obtain customers, on the other hand with data to support credit risk assessment.<\/p>\n\n\n\n
Huang Yiping believes that the new development of digital finance in the future is mainly reflected in the following aspects: First, most of all digital financial businesses are based on the consumer Internet, and the supply chain will play a greater role in the future. Second, many of the most active digital financial innovation institutions in the past were dominated by technology companies, but there has been some shift, and now traditional financial institutions are playing an increasing role. Third, we can see the development of new business forms, and the central bank digital currency is expected to blossom globally in the next 10 years, hoping that China can continue to take the lead.<\/p>\n\n\n\n
Second, data support credit risk assessment<\/h4>\n\n\n\n
“Data has been called the ‘oil of the new economy.'” In recent years, Huang Yiping has been thinking about how to use data to support systematic risk decisions. In response to the concern about the financing difficulties of small, medium-sized and micro enterprises, he admitted that inclusive finance is more difficult to do, the direct reason is that traditional financial institutions to reach inclusive finance customers is more difficult, and more importantly, it is more difficult to do credit risk assessment for them.<\/p>\n\n\n\n
Huang Yiping further analysis, traditional financial institutions in the past to do systematic risk assessment there are three main ways, one is to rely on financial data, the second is mortgaged assets, the third is the so-called relationship loans. These are very effective means of risk control, but when it comes to the target of inclusive finance, namely, small and medium-sized enterprises, low-income families, and rural economic entities, these three methods have the problem of low feasibility and high cost. CXO UNION-CXO\u8054\u76df\uff08cxounion.cn\uff09<\/mark><\/p>\n\n\n\n
“Data-supported credit risk assessment provides a very important way to improve credit services for small and micro enterprises.” Huang Yiping said that data in digital finance has achieved real results, helping to identify credit risks and do credit risk assessment.<\/p>\n\n\n\n
“The most prominent is that credit can be provided to many customers who did not meet traditional bank lending criteria in the past.” In other words, using big data risk control methods can provide enterprises with credit assessment to provide credit.” Huang Yiping continued to say that this is actually an innovative invention of a digital credit on the basis of the original credit, these customers were originally credit, but the traditional method can not be a good credit discovery or identification, so the problem of credit difficulties. CXO UNION-CXO\u8054\u76df\uff08cxounion.cn\uff09<\/mark><\/p>\n\n\n\n
Third, the problem of information asymmetry needs to be solved urgently<\/h4>\n\n\n\n
The question is, how do you count the data element resources, how do you add them to the balance sheet? Huang Yiping said that if the data element becomes an asset in the balance sheet and becomes part of the new finance, it will be very promising in the future. The main function of data is to help identify and reflect the existing credit level of an organization or an individual.<\/p>\n\n\n\n
For how to effectively use data elements, Huang Yiping pointed out that the fundamental lies in whether the trading market system can be done. The transaction of data elements needs to solve a big problem, that is, information asymmetry. Whether the two sides of the data transaction can know the information of the supply and demand sides, if there is no trust, there will be many problems in the future. For example, under what kind of policy framework, the authority is guaranteed to support the transaction, which also puts high requirements on the company’s technology. Because China has many restrictions on data, especially regarding privacy, trade secrets, national security and so on.<\/p>\n\n\n\n
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