1、点融网 金融科技的大数据解决方案 高级数据总监 Dianrong History 2017 2013 2012 2011 2014 2015 2016 Founded in Shanghai,China with technology platform from Lending ClubLending Club!We are SixSix years old!VC investment from Northern Light Venture Northern Light Venture Capital,Tiger Global,Standard Chartered Capital,Tiger

2、Global,Standard Chartered Private Equity,China Internet Fintech Fund,Private Equity,China Internet Fintech Fund,Bohai Financial,and Max GiantBohai Financial,and Max Giant!Over 2,600 employees 2,600 employees and 28 offices 28 offices across China!Launched Chinas First Block chainBlock chain platform

3、platform with FoxconnFoxconn !As of end of AprApr 20172017,total lender volume reached 29 billion RMB29 billion RMB,accumulated interest for lenders exceeded 1 1 billion RMBbillion RMB.!Fintech Overview Loan business Lender management Intelligent business management Big data solution architecture ov

4、erview Fintech Overview A Range of Technology Strengths Payments:Digital wallets,peer-to-peer payments Investment:Peer-to-peer lending Insurance:Risk management Intelligent Advisory:Robo-advisor Retail Banking and Supply Chain Finance Financing:Crowdfunding,micro-loans and credit facilities Block Ch

5、ain:BitcoinEfficiency!Transparency!User experience!Higher coverage!Security!Big Data Applications DataData requirementrequirement!EngineeringEngineering!AlgorithmAlgorithm!Borrower Profile!Social network data!PBOC!Loan status!Third party data integration!Extensible/flexible!Near real time processing

6、!Support ML model!LR scorecard!GBDT scorecard!Sessions,Views and Actions!Lender profile!Behavior data extracting and cleaning!Large scale data mining!real time calculation/searching!Clustering!Categorizing!Business data!Business relations!OLAP!Dashboard!Large scale data simulation!Statistic model!Mo

7、nte Carlo!LoanLoan BusinessBusiness!Fraud Detection!Credit worthiness!Intelligent collection!Risk based pricing!CustomerCustomer ManagementManagement!User profile!Behavior analysis!Behavior prediction!Call center operation!User segmentation!Anti Econnoisseur!BusinessBusiness ManagementManagement!Ris

8、k management!Portfolio management!Fintech Overview Loan business Lender management Intelligent business management Big data solution architecture overview Loan Business Data Collection RiskRisk DataData CollectionCollection PersonalPersonal creditcredit CorporateCorporate creditcredit TravelTravel r

9、ecordsrecords E-E-commercecommerce recordsrecords InternetInternet datadata DefaultDefault recordsrecords BankBank cardscards transactionstransactions JudicialJudicial recordsrecords PolicePolice recordsrecords IndustryIndustry&commercecommerce bureaubureau datadata CreditCredit!ConsumptionConsumpti

10、on!CarriersCarriers!SocialSocial!BehaviorBehavior!OtherOther!Loan Business-Online Risk Engine Workflow Loan Business Knowledge graph Loan Business Knowledge graph Loan Business Knowledge graph Loan Business Knowledge graph Loan Business Knowledge graph Group Fraud Organizer/Collection number!Loan Bu

11、siness Knowledge graph Features Features&CapabilitiesCapabilities!OrientDB OrientDB CommunityCommunity!Neo4j Neo4j CommunityCommunity!Graph Database!ACID!TinkerPop Compliance!Java Hooks!Sharding!Multi-Master replication!SQL*!.!.!.!updateupdate heavyheavy readread mostlymostly!readread latestlatest s

12、hortshort rangerange!Other options:Titan,GraphDB!Fintech Overview Loan business Lender management Intelligent business management Big data solution architecture overview Customer Management Behavior Data Customer Management Profile Data Fintech Overview Loan business data product Lender management d

13、ata product Intelligent business management Big data solution architecture overview Intelligent business management Intelligent business management Fintech Overview Loan business data product Lender management data product Intelligent business management Big data solution architecture overview Architecture Overview