www射-国产免费一级-欧美福利-亚洲成人福利-成人一区在线观看-亚州成人

US EUROPE AFRICA ASIA 中文
Business / Technology

Tencent to use social networks for credit-rating services

By Meng Jing (China Daily) Updated: 2015-08-08 09:56

It seems that people may need to carefully select the friends they make online as Chinese Internet giant Tencent Holdings Ltd is about to launch a consumer credit rating service based on an individual's online social networks.

The Shenzhen-based Tencent said on Friday that it will soon roll out its consumer credit information service in an aim to help financial organizations improve their risk management abilities and enable more people to get easy loans and raise credit awareness, especially among young people.

The Internet giant, which owns popular instant messaging app mobile QQ and WeChat, is a firm believer that birds of a feather flock together. By analyzing the "quality" of people's social networks, combined with each individual's online behavior, such as whether or not to pay bills on time, Tencent said it can provide useful information to help financial institutions know their potential debtors better.

Daniel Wu, general manager of Tencent Credit Bureau Co Ltd, said the company has a vast social networking data and it is able to help 500 million people, who don't have any experience in borrowing money from banks, to build up their credit information.

In the traditional way, banks need to check individual's credit records, such as credit card records, before issuing a loan. However, only 20 percent of China's population have credit cards, which means the remaining 80 percent cannot get any kind of endorsement if they want to take a loan.

"About 800 million people in China have demands for various kinds of financial services, but the current credit system can only cover 300 million people. We can help meet the demand of the other 500 million by analyzing the massive amount of data generated from all kinds of footprints they leave online," said Wu.

According to Tencent, its instant messaging tool QQ alone has about 800 million active users. Industry observers said by launching the consumer credit rating service, Tencent can tap into a market worth hundreds of billions of yuan.

"Tencent's business empire is based on social networks. It has accumulated a lot of data by providing all kinds of tools to help people connect with each other. The credit rating service can help Tencent leverage its massive social networking data, commercialize it and eventually boost its income," said Wang Weidong, an analyst with iResearch Consulting Group.

He said the booming development of Internet finance sector in China has led to a surge in the demand for consumer credit information.

Tencent's rival Alibaba Group Holding Ltd is also moving into the same direction. The People's Bank of China, the central bank, has already given the nod for eight companies, including Tencent and Alibaba, to open their consumer credit information business, and is expected to offer them the official operation licenses soon.

The two companies compete in a wide range of business sectors. However, insiders said in consumer rating business it is difficult to say who will be the leader.

"Alibaba's rating is more based on people's online shopping behavior while Tencent's based on social networks. It is likely that the two will come up with different ratings for the same person," he said.

Hot Topics

Editor's Picks
...
主站蜘蛛池模板: 99在线视频精品费观看视 | 亚洲欧美中文日韩在线v日本 | 三级网址在线观看 | 亚洲一区二区三区高清网 | 欧美一级在线观看播放 | 亚洲午夜精品在线 | 欧美有码在线观看 | 久久久久久亚洲精品影院 | 青草久草 | 青青青免费手机版视频在线观看 | 欧美一级久久久久久久久大 | 米奇777第四久久久99 | 99秒拍福利大尺度视频 | 成人在线观看午夜 | 久久999视频 | 国产成人咱精品视频免费网站 | 波多野结衣视频免费在线观看 | 国产欧美在线视频 | 亚洲一区二区三区欧美 | 亚洲一级片在线播放 | 成人免费网站视频www | 国产网站在线 | 久久精品国产免费看久久精品 | 高清亚洲 | 欧美日韩乱国产 | 亚洲男女网站 | 男人桶女人逼 | 欧美a级完整在线观看 | 天堂8资源在线官网资源 | 99九九精品视频 | 在线视频精品视频 | 国产精品hd免费观看 | 欧美一级毛片在线一看 | 国产成人欧美视频在线 | 国产成人免费观看 | a一级爱做片免费 | 国产女人在线视频 | 亚洲欧美日韩精品永久在线 | 国产精品无打码在线播放9久 | 久久视频在线观看免费 | 免费看一级欧美毛片视频 |