Alibaba Pushes Unsecured Loans

< p > > the world's < a target= "_blank" href= "//www.sjfzxm.com/" > clothing < /a > a target= "_blank" href= "_blank" > shoes < < hat net "Xiaobian to introduce is Ali joint 7 big banks push unsecured loans, the highest credit 10 million.

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< p > July 22nd, Alibaba announced a deep cooperation with 7 banks, including Bank of China, China Merchants Bank, construction bank, Ping An Bank, etc., to launch a unsecured loan scheme based on net business credit for SMEs. The highest level of credit is up to 10 million yuan.

This is the first time that banks have provided unsecured credit loans to SMEs for the first time based on big data and credit system.

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< p > < strong > joint operation of the seven largest banks, the highest granted XinDa 10 million < /strong > < /p >

< p > according to the introduction, the multi-party cooperation launched the "net business loan senior edition", which is an upgraded version of the original loan product of the original loan company.

The Internet business loan launched in 2011 aims to serve the import and export industry of Alibaba B2B platform. As of now, it has served more than more than 13000 small and micro enterprises, with a total loan of more than 4 billion 300 million yuan.

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< p > upgraded Internet business loan advanced edition is mainly served by foreign trade enterprises on Alibaba's one Datong platform.

Risk management, capital supply, post loan management and bad debts are different from Ali's small loan.

Its loan funds come from cooperative banks and guarantee bad debts by banks or insurance companies.

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< p > the subsidy policy of the Datong foreign trade service platform shows that the total subsidy for nearly 5000 enterprises is 3 million 500 thousand now. The joint bank's push loan service means that the Datong foreign trade integrated platform has launched a "subsidy + loan" combination to the small and medium-sized foreign trade enterprises, the former has increased profits for the foreign trade small and medium-sized enterprises, and the latter has solved the financing difficulty for the small and medium-sized enterprises.

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< p > it is reported that the loan export data obtained by the enterprise are bound together, and the export enterprises through the one Datong foreign trade comprehensive service platform can get one yuan RMB loan for each dollar export, and the maximum credit limit can reach 10 million.

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< p > < strong > data accumulated credit push unsecured credit < /strong > /p >

The difference between the credit rating of P and traditional credit is that in the advanced version of net business loan, the small loan of Ali will build up a risk model with the banks through the data collected by the company on the one Datong platform.

Through the analysis of big data, we can excavate the credit of foreign trade enterprises on the platform as the basis of credit.

For banks, they can provide unsecured and unsecured pure credit loans to SMEs on a Datong platform through the application of big data.

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< p > Wei Qiang, general manager of Alibaba's comprehensive foreign trade service department, said that the advanced version of the Internet business loan was supported by banks such as Bank of China, China Merchants Bank, Ping An Bank and so on at the initial stage of the design. "Because banks are hard to follow the data of foreign trade enterprises like a Datong, and the export data obtained by Datong are dynamic, not only for loan applications, but also a strong basis for post loan management."

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< p > Zhong Xiangqun, general manager of Bank of China Internet Internet banking headquarters, said that Alibaba's Datong platform can provide core paction data including customs clearance, foreign exchange refunds and tax rebates, which will help banks better control the risk of loans.

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< p > > the concept of "credit = wealth" has been accepted by many people, but in practice, how to make self certification has always been a difficult problem. Alibaba has used big data technology to a certain extent to get through this key point.

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< p > < strong > open credit area and bank supplement cooperation < /strong > /p >

< p > participating in the advanced edition of Internet business loan has also become the beginning of opening up of Ali and small gold clothing in the credit field.

For Ali's cooperation with banks, some people think that banks are "leading the wolf into the house". The credit business of small and micro size clothes may impact the core business of banks in the future.

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"P" has also changed the marketing mode of our bank and following the wind control mode. The marketing will be very precise and the target is very clear. From the list of customers and paction information delivered by < a href= "//www.sjfzxm.com/news/index_s.asp" > Alibaba < /a > Datong, we will have targeted docking with customers.

It is very efficient for banks to monitor whether the enterprise is normal through the follow-up paction information of one Datong.

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< p > Feng Jie, vice president of Ping An Bank, thinks that, rather than impact and competition, it is better to establish a complementary cooperative relationship between Alibaba and banks.

"Ali made a very smart decision. He played his own data and left the capital to the bank, so I think there is more cooperation between the two sides," Feng Jie said.

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< p > in the view of Yu Shengfa, general manager of Ali small loan, the biggest value of Ali's small loan is to verify the big data accumulated by e-commerce. It can excavate enterprise's credit and innovate the way and concept of credit service, but this does not mean that it wants to "monopolize" the market of enterprise financing on the whole electronic business platform. "This is neither possible nor meaningful, because this is not conducive to the satisfaction of the financing needs of enterprises in the whole business ecosystem".

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< p > it is reported that the following capabilities will be opened to the outside world, such as "a href=" //www.sjfzxm.com/news/index_cj.asp "credit" /a "risk management and big data application".

What is particularly interesting is that even in the small and micro enterprises financing of the 1 million yuan less than the small loan company, and the personal consumption finance field, Alibaba is also seeking cooperation between external financial institutions such as banks. Through sharing the risk management ability of Ali small loan, the introduction of external funds for direct investment will help more small and micro enterprises and ordinary consumers share the benefits of financial innovation.

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