男友太凶猛1v1高h,大地资源在线资源免费观看 ,人妻少妇精品视频二区,极度sm残忍bdsm变态

US EUROPE AFRICA ASIA 中文
Business / Markets

China's first Internet bank opens amid cloudy regulations

(Xinhua) Updated: 2015-01-21 10:31

While the central bank demonstrated willingness to accommodate internet-based financial services, it also has reservations. According to its draft ruling, the accounts would be limited to wealth management products only. Cash settlement, payment and reception would not be permitted.

Credit profiling

Webank has said that it will issue loans based on credit rating scores from Tencent's social data, as the central bank last year allowed eight organizations, including Tencent and Alibaba, to establish their own credit-rating agencies.

This unorthodox approach goes against the established system used by traditional lenders, which rely mostly on the central bank's credit system and their own investigative work.

Some in the banking industry doubt whether Tencent's social data can accurately reflect Webank client's creditworthiness. Webank said its model will consider a slew of online activities, including log-on time on Tencent's messaging services, virtual assets, gaming, online purchases and transactions.

Tenpay, Tencent's payment subsidiary, also holds a 20 percent share of China's online payment market, according to iResearch. Its rival Alipay, the payment service owned by Alibaba, dominates with nearly 50 percent.

Yet skeptics argue that such data says more about a person's social qualities than solvency.

"Social data does not account for much even in the risk-control model of Internet finance companies." said Shi Pengfeng, CEO of Wangdaizhijia, a Shanghai-based P2P lending platform.

Shi added that the amount of data was not an important factor, rather, its relevance to a client's credit profile.

Despite doubts, analysts say these new agencies, using their own resources for credit-profiling, will complement the central bank's credit reporting service. Some banks would not issue loans to some small firms and individuals as the central bank's system lacks adequate information on their credit worthiness.

Thus, these new rating agencies are expected to facilitate access to financing.

Acknowledging such problems, in the past the central bank has incorporated credit information from local micro-loan firms to boost its own system's credit profile.

Previous Page 1 2 Next Page

Hot Topics

Editor's Picks
...
主站蜘蛛池模板: 彰武县| 讷河市| 泉州市| 嵩明县| 临颍县| 永川市| 蓝田县| 江口县| 东阳市| 云安县| 凤冈县| 张家港市| 黄陵县| 航空| 同仁县| 安平县| 开远市| 江达县| 三台县| 竹山县| 定远县| 临洮县| 监利县| 南溪县| 巴林左旗| 尼木县| 沙洋县| 交口县| 正安县| 屯留县| 象州县| 宜兰市| 赣榆县| 炉霍县| 武威市| 承德市| 威海市| 彝良县| 新巴尔虎右旗| 仁化县| 秦安县|