1、现金贷云服务平台策略小风险看得见市场热度一、主要客群：三线以下城市人群为主（多元化职业）二线以上城市进城务工人员（基础服务业：餐饮从业快递从业制造从业等）毕业三年内的学生（低收入白领/蓝领等）二、人群特点80%的客户在生活中平均2个月借一次钱70%的客户一年中超过3次迟发工资44%的客户会提前主动还款70%的客户连续两个月有借款需求收入水平：80%=5000元，职业表现：多元职业化、蓝领群体、服务员三、市场潜力：美国市场：6千万中低端人群1000家现金贷机构中国市场：1、金字塔型收入结构，底层群体基数庞大，市场潜力巨大；2、互联网发展，互联网金融市场被初步教育，存在基础用户群体；3、P2P消费
2、金融业务转型，对资产端需求强烈（资产荒）；4、经济业务周期调整，经济下行，转业/失业人群增多，容易产生短期资金压力；怎么赚钱？利润=收入-成本收入新贷客户通过借贷关系建立信用变成续贷客户续贷客户平均同机构年均借款6.5次成本新贷客户获取成本高、数据成本高、信贷成本高续贷客户建立信用后仅有信贷成本利润在特定条件下，上述达到平衡后产生正向收入下一页附图：业务风险曲线业务风险新贷客户逾期水平高，续贷客户逾期水平低续贷客户成本变低但是收入不减逾期30天,首次借款,0.045逾期30天,续贷1次,0.015逾期30天,续贷2次,0.012逾期30天,续贷3次,0.01逾期30天,续贷4次及以上,0.00
3、9逾期30天,首次借款,0.045逾期30天,续贷1次,0.015逾期30天,续贷2次,0.012逾期30天,续贷3次,0.01逾期30天,续贷4次及以上,0.0090%1%3%4%5%首次借款续贷3次新贷客户,dpd1_rate,0.2613新贷客户,dpd2_rate,0.2139新贷客户,dpd3_rate,0.1861新贷客户,dpd4_rate,0.1676新贷客户,dpd5_rate,0.1607新贷客户,dpd6_rate,0.1503新贷客户,dpd7_rate,0.1434新贷客户,dpd8_rate,0.1422新贷客户,dpd9_rate,0.1341新贷客户,dpd10
4、_rate,0.1306新贷客户,dpd11_rate,0.1283新贷客户,dpd12_rate,0.1225新贷客户,dpd13_rate,0.1225新贷客户,dpd14_rate,0.1191新贷客户,dpd15_rate,0.1133新贷客户,dpd16_rate,0.1133新贷客户,dpd17_rate,0.1087新贷客户,dpd18_rate,0.1075新贷客户,dpd19_rate,0.1064新贷客户,dpd20_rate,0.1029新贷客户,dpd21_rate,0.1017新贷客户,dpd22_rate,0.1006新贷客户,dpd23_rate,0.1006新贷
5、客户,dpd24_rate,0.1006新贷客户,dpd25_rate,0.1006新贷客户,dpd26_rate,0.0994新贷客户,dpd27_rate,0.0983新贷客户,dpd28_rate,0.0971新贷客户,dpd29_rate,0.0971新贷客户,dpd30_rate,0.096新贷客户,dpd31_rate,0.0936新贷客户,dpd32_rate,0.089新贷客户,dpd33_rate,0.0879新贷客户,dpd34_rate,0.0855新贷客户,dpd35_rate,0.0809新贷客户,dpd36_rate,0.0786新贷客户,dpd37_rate,0.
6、0786新贷客户,dpd38_rate,0.0775新贷客户,dpd39_rate,0.0775新贷客户,dpd40_rate,0.0763新贷客户,dpd41_rate,0.0763新贷客户,dpd42_rate,0.0763新贷客户,dpd43_rate,0.0751新贷客户,dpd44_rate,0.0751新贷客户,dpd45_rate,0.0751新贷客户,dpd46_rate,0.074新贷客户,dpd47_rate,0.074新贷客户,dpd48_rate,0.074新贷客户,dpd49_rate,0.074新贷客户,dpd50_rate,0.0728新贷客户,dpd51_rat
7、e,0.0717新贷客户,dpd52_rate,0.0717新贷客户,dpd53_rate,0.0717新贷客户,dpd54_rate,0.0717新贷客户,dpd55_rate,0.0705新贷客户,dpd56_rate,0.0705新贷客户,dpd57_rate,0.0705新贷客户,dpd58_rate,0.0705新贷客户,dpd59_rate,0.0705新贷客户,dpd60_rate,0.0705新贷客户,dpd61_rate,0.0671新贷客户,dpd62_rate,0.0671新贷客户,dpd63_rate,0.0671新贷客户,dpd64_rate,0.0671新贷客户,d
8、pd65_rate,0.0671新贷客户,dpd66_rate,0.0671新贷客户,dpd67_rate,0.0671新贷客户,dpd68_rate,0.0671新贷客户,dpd69_rate,0.0671新贷客户,dpd70_rate,0.0671新贷客户,dpd71_rate,0.0671新贷客户,dpd72_rate,0.0671新贷客户,dpd73_rate,0.0671新贷客户,dpd74_rate,0.0671新贷客户,dpd75_rate,0.0671新贷客户,dpd76_rate,0.0671新贷客户,dpd77_rate,0.0671新贷客户,dpd78_rate,0.06
9、71新贷客户,dpd79_rate,0.0671新贷客户,dpd80_rate,0.0671新贷客户,dpd81_rate,0.0671新贷客户,dpd82_rate,0.0671新贷客户,dpd83_rate,0.0671新贷客户,dpd84_rate,0.0671新贷客户,dpd85_rate,0.0671新贷客户,dpd86_rate,0.0671新贷客户,dpd87_rate,0.0671新贷客户,dpd88_rate,0.0671新贷客户,dpd89_rate,0.0671新贷客户,dpd90_rate,0.0671续贷客户,dpd1_rate,0.216续贷客户,dpd2_rate
10、,0.1408续贷客户,dpd3_rate,0.1189续贷客户,dpd4_rate,0.0947续贷客户,dpd5_rate,0.085续贷客户,dpd6_rate,0.0801续贷客户,dpd7_rate,0.0704续贷客户,dpd8_rate,0.0631续贷客户,dpd9_rate,0.0631续贷客户,dpd10_rate,0.0558续贷客户,dpd11_rate,0.0534续贷客户,dpd12_rate,0.0461续贷客户,dpd13_rate,0.0461续贷客户,dpd14_rate,0.0437续贷客户,dpd15_rate,0.0413续贷客户,dpd16_rate
11、,0.0413续贷客户,dpd17_rate,0.0413续贷客户,dpd18_rate,0.0413续贷客户,dpd19_rate,0.0388续贷客户,dpd20_rate,0.0388续贷客户,dpd21_rate,0.0388续贷客户,dpd22_rate,0.0364续贷客户,dpd23_rate,0.0364续贷客户,dpd24_rate,0.0364续贷客户,dpd25_rate,0.0364续贷客户,dpd26_rate,0.0364续贷客户,dpd27_rate,0.0364续贷客户,dpd28_rate,0.0364续贷客户,dpd29_rate,0.0364续贷客户,dp
12、d30_rate,0.0364续贷客户,dpd31_rate,0.0364续贷客户,dpd32_rate,0.0364续贷客户,dpd33_rate,0.0364续贷客户,dpd34_rate,0.0316续贷客户,dpd35_rate,0.0316续贷客户,dpd36_rate,0.0316续贷客户,dpd37_rate,0.0316续贷客户,dpd38_rate,0.0291续贷客户,dpd39_rate,0.0291续贷客户,dpd40_rate,0.0291续贷客户,dpd41_rate,0.0291续贷客户,dpd42_rate,0.0291续贷客户,dpd43_rate,0.029
13、1续贷客户,dpd44_rate,0.0267续贷客户,dpd45_rate,0.0267续贷客户,dpd46_rate,0.0267续贷客户,dpd47_rate,0.0267续贷客户,dpd48_rate,0.0267续贷客户,dpd49_rate,0.0267续贷客户,dpd50_rate,0.0267续贷客户,dpd51_rate,0.0267续贷客户,dpd52_rate,0.0267续贷客户,dpd53_rate,0.0267续贷客户,dpd54_rate,0.0267续贷客户,dpd55_rate,0.0243续贷客户,dpd56_rate,0.0243续贷客户,dpd57_ra
14、te,0.0218续贷客户,dpd58_rate,0.0218续贷客户,dpd59_rate,0.0194续贷客户,dpd60_rate,0.0194续贷客户,dpd61_rate,0.0194续贷客户,dpd62_rate,0.0194续贷客户,dpd63_rate,0.0194续贷客户,dpd64_rate,0.0194续贷客户,dpd65_rate,0.0194续贷客户,dpd66_rate,0.0194续贷客户,dpd67_rate,0.0194续贷客户,dpd68_rate,0.0194续贷客户,dpd69_rate,0.0194续贷客户,dpd70_rate,0.0194续贷客户,
15、dpd71_rate,0.0194续贷客户,dpd72_rate,0.017续贷客户,dpd73_rate,0.017续贷客户,dpd74_rate,0.017续贷客户,dpd75_rate,0.017续贷客户,dpd76_rate,0.017续贷客户,dpd77_rate,0.017续贷客户,dpd78_rate,0.017续贷客户,dpd79_rate,0.017续贷客户,dpd80_rate,0.017续贷客户,dpd81_rate,0.017续贷客户,dpd82_rate,0.017续贷客户,dpd83_rate,0.017续贷客户,dpd84_rate,0.017续贷客户,dpd85
16、_rate,0.017续贷客户,dpd86_rate,0.017续贷客户,dpd87_rate,0.017续贷客户,dpd88_rate,0.017续贷客户,dpd89_rate,0.017续贷客户,dpd90_rate,0.017全部客户,dpd1_rate,0.2473全部客户,dpd2_rate,0.1901全部客户,dpd3_rate,0.1643全部客户,dpd4_rate,0.144全部客户,dpd5_rate,0.1362全部客户,dpd6_rate,0.1275全部客户,dpd7_rate,0.1197全部客户,dpd8_rate,0.1166全部客户,dpd9_rate,0.
17、1111全部客户,dpd10_rate,0.1064全部客户,dpd11_rate,0.1041全部客户,dpd12_rate,0.0978全部客户,dpd13_rate,0.0978全部客户,dpd14_rate,0.0947全部客户,dpd15_rate,0.09全部客户,dpd16_rate,0.09全部客户,dpd17_rate,0.0869全部客户,dpd18_rate,0.0861全部客户,dpd19_rate,0.0845全部客户,dpd20_rate,0.0822全部客户,dpd21_rate,0.0814全部客户,dpd22_rate,0.0798全部客户,dpd23_rat
18、e,0.0798全部客户,dpd24_rate,0.0798全部客户,dpd25_rate,0.0798全部客户,dpd26_rate,0.079全部客户,dpd27_rate,0.0782全部客户,dpd28_rate,0.0775全部客户,dpd29_rate,0.0775全部客户,dpd30_rate,0.0767全部客户,dpd31_rate,0.0751全部客户,dpd32_rate,0.072全部客户,dpd33_rate,0.0712全部客户,dpd34_rate,0.0681全部客户,dpd35_rate,0.0649全部客户,dpd36_rate,0.0634全部客户,dpd
19、37_rate,0.0634全部客户,dpd38_rate,0.0618全部客户,dpd39_rate,0.0618全部客户,dpd40_rate,0.061全部客户,dpd41_rate,0.061全部客户,dpd42_rate,0.061全部客户,dpd43_rate,0.0603全部客户,dpd44_rate,0.0595全部客户,dpd45_rate,0.0595全部客户,dpd46_rate,0.0587全部客户,dpd47_rate,0.0587全部客户,dpd48_rate,0.0587全部客户,dpd49_rate,0.0587全部客户,dpd50_rate,0.0579全部客
20、户,dpd51_rate,0.0571全部客户,dpd52_rate,0.0571全部客户,dpd53_rate,0.0571全部客户,dpd54_rate,0.0571全部客户,dpd55_rate,0.0556全部客户,dpd56_rate,0.0556全部客户,dpd57_rate,0.0548全部客户,dpd58_rate,0.0548全部客户,dpd59_rate,0.054全部客户,dpd60_rate,0.054全部客户,dpd61_rate,0.0516全部客户,dpd62_rate,0.0516全部客户,dpd63_rate,0.0516全部客户,dpd64_rate,0.0
21、516全部客户,dpd65_rate,0.0516全部客户,dpd66_rate,0.0516全部客户,dpd67_rate,0.0516全部客户,dpd68_rate,0.0516全部客户,dpd69_rate,0.0516全部客户,dpd70_rate,0.0516全部客户,dpd71_rate,0.0516全部客户,dpd72_rate,0.0509全部客户,dpd73_rate,0.0509全部客户,dpd74_rate,0.0509全部客户,dpd75_rate,0.0509全部客户,dpd76_rate,0.0509全部客户,dpd77_rate,0.0509全部客户,dpd78_
22、rate,0.0509全部客户,dpd79_rate,0.0509全部客户,dpd80_rate,0.0509全部客户,dpd81_rate,0.0509全部客户,dpd82_rate,0.0509全部客户,dpd83_rate,0.0509全部客户,dpd84_rate,0.0509全部客户,dpd85_rate,0.0509全部客户,dpd86_rate,0.0509全部客户,dpd87_rate,0.0509全部客户,dpd88_rate,0.0509全部客户,dpd89_rate,0.0509全部客户,dpd90_rate,0.05090%8%15%23%30%dpd1_rate dp
23、d24_rate dpd47_rate dpd70_rate新贷客户续贷客户自主上线的成本团队建设：需要搭建产品、研发、风险专家、业务运营、财务、催收六大基础模块，需要最快速度确认业务需求、风险策略、资金来路、支付实施四大基础方案，一般耗时15天至一个半月。系统建设：需要完成最基础信贷系统建设或采购，完成APP研发、小贷系统测试、基础的数据清洗工程（或付费选择外部报告），一般耗时15天至一个半月业务启动：需要研发规则引擎或者规则执行程序，进行第一批APP上线投放，获得至少10000个好样本（正常还款）及1000笔坏样本（逾期10天至30天），需要1-2名催收人员，抽取特征做第一版模型准备，一般
24、需要一个放款周期加一个月左右时间账务平衡：需要1-2名业务运营人员，1名风险数据分析人员，1名结算管理人员进行账务核验，保证业务系统在出款及还款、逾期的处置等方面的账务一致性，为下一步业务发展做最基础准备按照自主研发并发布产品完成第一批放款回收为目标成本测算01BDACE团队建设经营测算需求确认系统研发数据对接支付对接规则引擎规则测试数据清洗业务启动催收管理逾期表现基础模型规则调整催收调整以上工序需要串行时间，这仅仅是一个开始面临什么样的问题团队搭建、系统建设、业务启动、财务平衡1、时间成本 3-6个月2、人力成本 产品、研发、风险专家、业务运营、财务、催收模块人力成本3、试错成本 风控规则、
25、模型调整、商业盈亏平衡风控模型支持、业务经营支持、其他软性支持解决方案咨询：全程实施支持单客经营模型业务经营模型模型定制化特征启动规则集支持白名单及流量支持催收管理服务全程实施支持+软性服务从明白“如何做”到“冷启动”的全程支持业务经营支持风险管理支持流量/贷后管理支持我们的服务目标：急速上线从咨询到实施的全程服务支撑，最大化压缩时间成本20天快速上线1万订单启动最快实施：IOS及安卓客户端申请借款信息采集贷后还款提供APP整合设计及实施实施：适应业务需要的整合支付绑卡还款银联还款线下还款服务由新浪支付独家定制支持实施：决策数据采集活体检测公安核验运营商 设备信息外部征信四要素实施：信贷管理平
26、台全套信贷管理平台、涵盖进件、风控、催收、反欺诈、账务、结算、支付、报表、经营决策支持等模块实施：反欺诈及风险规则引擎近千风险数据点数百条规则集【反欺诈、高风险、准入等】选择建议及应用建议可支持规则定制【非标准服务】350万数据维度欺诈风险库150万数据维度高期逾期风险库9000万数据节点，4亿关系网络数据沉淀实施：多维风险可视化示例（一）客户在一段时间内的作息时间及工作日的作息时间深度风险数据可视化：让风险变得可见、打通风控专家与数据专家交流障碍实施：多维风险可视化示例（二）客户在一定时间内的社交连续性及通话异常实施：多维风险可视化示例（三）客户在一定时间内发生的金融咨询、业务申请、疑似催收
27、实施：多维风险可视化示例（四）客户在一定时间内的移动位置迁徙情况实施：多维风险可视化示例（五）客户的社交对象及行为信息在空间和行为上的分布实施：基于多维风险数据的机器学习模型超市模型超市：基于应用中的申请模型快速启动数据工程及多维模型特征工程：2000特征变量定制一线专家机器学习模型：最快一周上线、周周迭代在这个人群里，传统风控中强相关的变量都变成弱相关，同时他们几乎没有征信数据实施：复杂关系网络及风险传播动力学【非标】用户共用手机号关联用户共用设备关联团贷欺诈申请欺诈个体及团伙的快速查验以及基于图数据库的图算法，欺诈团伙能被数据团队找到更能被风险专家捕获实施：催收管理及贷后反欺诈工程平台整合
28、催收服务、支持自建队伍的同时亦提供无缝催收坐席外包、解决业务增长得快而人力跟不上的尴尬实施：系统深度整合现金贷业务报表基于成熟稳定的资产质量分析平台对业务质量的监测及定价能力的监测对业务质量的回顾与研判基于业务表现的定价策略、模型切割、规则调试、成本控制深度整合现金贷统计及业务质量监测报表，降低早期业务账务及统计分析不成熟导致后期风险账务混乱的尴尬总结多维数据可视化提高风险专家效率，降低团队成本机器学习模型超市脱敏建模、数据不外泄、快速启动，最小成本用到最牛的团队复杂关系网络既能解决自身平台反欺诈诉求，亦能选择加入联盟共享信息整合催收服务快速启动上量，无缝对接外包坐席，降低早期冗余人力压力整合报表平台成熟的现金贷报表整合，业务数据驱动经营决策，降低人力成本内嵌流量联盟将不符合自身风险偏好的客户通过流量联盟变现，优化成本结构支持基于移动端申请的其他消金业务信贷平台扩展上线案例小钱完-谢谢观看-
