He Dongjie, Vice President of Science and Technology: How can industry data help small and micro enterprises "increase credit"?

Economic Observation Network reporter Li Jing "such as electricity, taxation, and other industries can empower financial institutions, help banks truly identify those high -quality small and micro enterprises, and make small and micro enterprises' financing more convenient or even lower." September On the 2nd, at the China Fintech Forum of the 2022 Service Fair, He Dongjie, Vice President of Science and Technology, said.

In the interview, He Dongjie stated to the Economic Observer that has been encouraged by policies. In the past two years, more and more banks have begun to focus on small WeChat credit business, but for banks, small WeChat credit business still has pain points.

These pain points include small and micro enterprises may have insufficient operating reports, invoices, and incomplete tax information. The lack of this information, it is difficult for banks to truly judge the operation of small and micro enterprises, so the problem of hard financing of small and micro enterprises is difficult to financing.

Earlier, the application of big data was considered to solve this problem. Through multi -dimensional data modeling, banks can allow banks to identify the risk status of small and micro enterprises with lower costs and provide decision -making basis for credit.

But one of the difficulty of landing is: how to find enough "valuable" data in the market to help the bank judge.

"One of our jobs is to help customers find some suitable data, such as operator data, power data, etc." He Dongjie told Economic Observer.

Digital 牍 Technology is a technology company with privacy computing technology as its main business. It focuses on building a underlying infrastructure for the data factor market. At present, it provides technical support for small and micro -credit services such as ICBC and other banks.

He Dongjie introduced that when a company has to go to a bank for the first time, the information that the bank can understand is very limited, but if the tax data, power data, and telecommunications operators can be superimposed, it can help banks to master the company's operations more comprehensively. Happening.

Multi -dimensional industry data can not only be applied to the small micro -credit business of banks, but also helps the development of financial supervision. Digital 牍 Technology is currently working with local financial regulatory agencies to help them establish anti -fraud blacklists by opening the data of multiple telecommunications operators.

"Some of the data in it are very valuable. For example, a person handles multiple SIM or bank cards in a city, and its risk level will increase. Some banks have also put forward the demand for risk early warning." He Dongjie said said Essence

One premise to realize the application of the above data is the opening of the industry data.

A sign observed by He Dongjie is that more and more government agencies and infrastructure state -owned enterprises have willing to open their data in the past two years.

"In recent years, the state has developed vigorously for data elements. Many traditional state -owned enterprises want to open data, such as the power industry, which has not opened data to other industries before." He Dongjie said.

But now, this open signs appear. At the end of 2020, the "Southern Power Grid Data Security Requirements (Trial)" was released, and the basic principles were proposed for data grading classification. In May 2021, Southern Power Grid reviewed and approved the "Measures for the Management of Data Assets of China Southern Power Grid Co., Ltd.".

The enhancement of the willingness to open up in large enterprises comes from the promotion of policy and market demand, but also from the iteration of data security technology.

He Dongjie believes that one of the reasons for these large enterprises in the past is that they are worried about data security, and currently can ensure that the original data can be effectively used through technical methods such as privacy computing.

This has also made the prerequisite for data cooperation between some large institutions.

He Dongjie introduced that currently the services provided by Digital Technology for financial institutions include two aspects. On the one hand, it is the privacy computing technology platform for the technology; on the other hand, it provides data type selection, docking and modeling services for financial institutions.

"At present, the demand of large financial institutions in this area is very strong, and the team's technical capabilities are also strong. Due to the demonstration effect of large institutions, some city commercial banks have also begun to pay attention to privacy computing and multi -dimensional data in small WeChat credit business development. Function. "He Dongjie said.

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