小微企业去年从网商银行获贷超万亿元 凭进账

2019-04-25 05:36栏目:网商访谈

  大数据、云计算和人工智能的技术,为解决小微企业融资难融资贵提供了一条可行路径。传统金融机构借助新技术提升了服务水平,为小微企业、个体经营者提供便捷的融资服务,利用数字技术帮助其提升经营效率。

  今年年初,曾经在一家互联网公司做翻译的张泽林,终于在杭州热门购物中心开起了一家正式的门店“馍家”。

  创业之初,张泽林从一家很小的店面做起。因为没有足够的启动资金,难以扩大规模。直到2018年,他发现在支付宝APP的网商银行中,有十几万的信用贷款额度。这是之前店铺客人扫码付款,为他积累的个人信用贷款额度,手机上申请,资金便可即刻到账。

  有了这笔贷款,他花了3个月终于找到了中意的店面,并用贷款交纳了订金。店铺每天都有进账,收入直接偿还了贷款,银行据此也可以监测店铺的经营状况和贷款风险状况。“这样的贷款和还款方式,避免了资金闲置,为我们小店铺节约了不少成本。”张泽林说。

  对于成千上万的小摊主来说,此前获得银行贷款很难。如今通过每天经营流水,银行就能为他们量身打造一款合适的信贷产品。正是因为一张收款二维码,摊主被称为“码商”。

  2018年5月,支付宝与合作伙伴推出了“码商成长计划”,为线下近一亿码商提供“保障”和“成长”两大便利:码商可以通过“多收多贷”获得网商银行等金融机构提供的贷款;通过“多收多赊”享受一站式进货服务,并有机会赊购。此外,码商还可以在支付宝“商家服务”里通过商家信用获得免抵押服务。

  蚂蚁金服董事长兼首席执行官井贤栋表示,支付宝和蚂蚁金服要用大发快3APP助力小微经营者搭上数字化快车。

  网商银行副行长金晓龙说,去年,网商银行为小微经营者提供超1万亿元资金,96%发放给了贷款金额100万元以下的小微经营者。“希望未来3年能让中国所有个体户、路边摊都贷到款。”

  网商银行从成立开始就立足于服务小微企业,客户通过电脑和手机端获得金融服务,实现3分钟申贷,1秒钟放款,全程零人工介入,被称为“310”模式,其背后支撑是网商银行长期积累的风控技术能力,这包括10万项以上的指标体系,100多个预测模型和3000多种风控策略。这些风控技术,一方面可以让小微企业和经营者不用担保和抵押,凭借信用就能进行贷款,另一方面,将网商银行的不良率控制在1%左右。

  网商银行调研发现,线下小微经营者用上移动支付之后,能够沉淀下来的部分数据维度甚至比线上电商还要丰富,再结合行业领先的风控能力和创新的模型算法,为线下小微经营者提供贷款服务就有了基础。

  他们发现,沿街的门店,在遇到修地铁、铺设管道等市政变化时,通常会影响未来几个月的经营情况,所以将店铺的地理位置与地图数据进行匹配,结合周边的市政信息、地标建筑、人流情况、买家结构、同类商家情况等,通过复杂的模型处理,能够在几秒钟内计算出店铺未来6个月的经营潜力和风险。

  小微经营者更为精打细算,为了节省利息,只有必要时才申请贷款,并且尽快还款,有需求再贷,“小、急、短、频”的特点明显。为此,2017年6月,网商银行联合支付宝收钱码创新性推出“多收多贷”,商家在此能够看到,用支付宝二维码向有效顾客收款,顾客越多,自己能够贷款的额度越高。

  如今,在支付宝APP上的“码商说”社区里,有2000万小微企业交流自己的经验教训和故事,每天下午3—4点和晚上8—9点是他们的活跃时段。

  “路边摊主和小微企业,往往因为没有可信的数据化记录,比如运营成本、生意流水和客群消费类型等,无法被金融机构获知和核证,导致无法对其融资风险做出有效判断。”上海市工商联副主席周桐宇认为,这暴露了企业信用数据不足、传统信贷模式与小微企业需求不匹配等问题,应当推动银行和金融大发快3APP公司合作,发挥银行的资金优势、金融大发快3APP公司的技术和场景应用优势。

  现在,蚂蚁金服为桂林银行提供了账户体系、风控能力、数据处理能力;桂林银行发挥自己社区金融的优势,帮助农户接触和了解互联网,实现在线数据积累,完善用户画像,以便得到更合理的授信服务。双方合作推出以小额、批量、信用、线上为特点的融资产品。截至2018年6月,桂林银行和蚂蚁金服合作的“旺农贷”产品,已经累计放款超过3.5亿元,服务农户超过2万。

  去年6月网商银行宣布推出凡星计划,与金融机构共享“310”模式,以开放的方式服务3000万小微企业。金晓龙透露,目前已与超过400家金融机构实现合作,服务超过1500万家小微企业。

  周桐宇建议,鼓励小微企业生产、经营数字化升级,如使用移动支付等,以此积累信用。另外,要推动工商、税务、司法、公用事业与金融机构数据开放,推动多方数据共享,增加小微企业数据的维度和准确度。

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