In fact, putting aside the phenomenon and looking at the essence, the concentrated exposure of these problems is a natural Special Database phenomenon in the process of cyclical adjustment of the consumer finance industry. Only through differentiation and reshuffle can the industry fully digest the various problems accumulated in the early period of high growth, and then find new ones. The support point starts again. The problem now is that the frequent Special Database occurrence of chaos has caused all parties to question the Internet financial model itself to a certain extent. In addition to chaos control.
Other aspects have also begun to tighten comprehensively. For example, in P2P, clean-up and exit has become a major Special Database trend, and all parties also acquiesce that the fate of P2P can only be like this. But there are other options based on international experience. For example, the United Kingdom requires P2P platforms to distinguish between experienced lenders and restricted lenders, and the investment ratio of restricted lenders Special Database shall not exceed 10% of personal net investment, while high net worth users and experienced lenders are not restricted. The balance of protection and industry development. For example, big data risk control, in the online version.
The "Trial Measures for the Protection of Personal Financial Information" clearly requires that "except for legally established Special Database credit reporting agencies, without the approval of the People's Bank of China, no unit or individual may engage in the processing of personal financial information. Collection and processing work, as well as providing personal credit information services to the outside world.” It is easy to understand that without a license, it is not allowed to provide personal credit information services to the outside world, but it is strictly prohibited Special Database for institutions to collect and process personal financial information. Where should data risk control and precision marketing start? For example, online small loans.