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JINRONGKEJILINGYUZUIJUYINGXIANGLIXINMEITI。ZHUANZHUJINRONGKEJILINGYUDIAOCHA、SHENDU、YUANCHUANG、DUJIABAODAO,YIJISHANGYEANLIJIEXI。WOMENBUSHENGCHANSUIPIANHUAXINWEN,ZHICHUPINSHENDUERZHUANYEDEBAODAO——GUANZHUJINRONGKEJICHUANGXINDELILIANG。

“去爬虫”时代来临:换数据、看身份、搞联合建模

2019-10-21
1025818
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XUNZHAOTIDAIFANGAN,SHIDANGXIAZUIJINPODEWENTI。

640-2

LAIYUAN:LINGYICAIJING

ZUOZHE:WENQUAN

“XIANZAIYOUMEIYOUSHENMEHAODESHUJUYUAN?YOUSHENMETIDAIFANGAN?”YOUPACHONGFENGBOYINFADEDAIKUANCHANPINZANTINGZHIHOU,BUSHAOZUOXIAOFEIJINRONGYEWUDEGONGSIZAIDAOCHUDATING。

ZHENGGEXIAOFEIJINRONGXINGYECUBUJIFANGDIYINGLAILE“QUPACHONG”SHIDAI,YOUQISHIXIANJINDAISHOUYINGXIANGZUIDA。XUNZHAOTIDAIFANGAN,CHENGWEIDANGXIAZUIJINPODEWENTI。

9YUE,MOXIEKEJI、GONGXINBAO、JUXINLIDENGDISANFANGFENGKONGXINGYETOUBUGONGSIXIANGJIBEIDIAOCHAHUOBEIBOJI,SHIDEZHENGGEXINGYEZHUYAOPACHONGFUWUCHUYUBIXIANKAOLVJIBENZANTING。

SUIRANJIANGUANYIZAIZHILI“TAOLUDAI”“CHAOLIDAI”DENGWEIGUIDAIKUANCHANPIN,DANSHIDABUFENPACHONGFUWUZANTINGDEYINGXIANGQUEBOJIDAOQUANXINGYE。YIWEIXIAOFEIJINRONGXINGYEZISHENFENGKONGRENSHIGAOSULINGYICAIJING,JUTALEJIE,YINXINGLEIJIGOUZAICICISHIJIANZHONGSHOUYINGXIANGDESHUJUXIANDAYUEZAI10%ZUOYOU,QITAFEICHIPAIJINRONGJIGOUSHOUYINGXIANGDESHUJUXIANGENGSHIGAODA50%。

数据缺失,迫使整个消费金融行业进行风控策略的大调整。

痛别爬虫

“PACHONG,SHIZHENGGEDASHUJUFENGKONGXINGYEDELINGHUN。”YIWEIDASHUJUFENGKONGGONGSIRENSHIXIANGLINGYICAIJINGZHICHU,DADUOSHUDASHUJUFENGKONGGONGSIBENSHENBINGMEIYOUNEIMEDUOSHUJU。YINWEISHUJUSHICONGYEWUDANGZHONGLAIDE,DANSHIYOUDALIANGSHUJUYUANDEJIGOUSHIJISHANGBINGBUDUO,DUOSHUDASHUJUFENGKONGGONGSIDESHUJUSHIKAOPACHONGPAQU。

PACHONGFUWUZANTING,XIAOFEIJINRONGXINGYEDEGONGSIDOUDUOSHAOSHOUDAOYINGXIANG,QIZHONGXIANJINDAISHIZHONGZAIQU。DUIXIANJINDAILAISHUO,SHOUYINGXIANGZUIDADEYOULIANGFANGMIANSHUJU:YUNYINGSHANGSHUJUHEDIANSHANGSHUJU。YIWEIWANGDAIPINGTAIGUANLICENGRENSHIGAOSULINGYICAIJING,PACHONGWEIFENGKONGTIGONGDEXINXIBIJIAOGUANGFAN,GEJIAWANGDAIGONGSITONGGUOPACHONGHUOQUDESHUJUWEIDUDOUBUWANQUANYIYANG,DANSHIZAIXIANJINDAICHANPINZHONG,YUNYINGSHANGSHUJUHEDIANSHANGSHUJUSHIYUNYONGZUIWEIGUANGFANDELIANGLEISHUJU。ZHEILIANGLEISHUJUDUI714DENGGAOPAOCHANPINDEYINGXIANGSHIZHIMINGDE,YINWEIZHEIXIECHANPINDEFENGKONGDUIZHEILIANGLEISHUJUYILAIJIDA,DUIQITAXIANJINDAICHANPINYINGXIANGBI714DENGSHAORUO。

TAJIESHI,YIBANLAISHUO,DUIYUXIANJINDAILAISHUO,YOUSANXIANGSHUJUBIJIAOGUANJIAN:YUNYINGSHANGSHUJU、DIANSHANGSHUJU、XINYONGKASHUJU。YUNYINGSHANGSHUJU,KEYITONGGUOTONGHUAJILUKEGUANFANYINGHEYONGHUGUANLIANDELIANXIREN,CONGERKEYIYONGLAIZUOCUISHOU。DIANSHANGSHUJU,YOUYUDIANSHANGYIBANHUISONGHUODAOJIA,ZHEISHIYOUZHENSHIJIAOYIYANZHENGGUODEKEHUXINXI,YONGLAIZUOSHENFENYANZHENGFEICHANGYOUXIAO;CIWAI,DIANSHANGDEXIAOFEIQINGKUANGYEKEYIZAIYIDINGCHENGDUSHANGFANYINGYONGHUDEXIAOFEINENGLI,CONGERPINGGUXINYONG。XINYONGKASHUJU,ZESHIFEICHANGHEXINDEJINRONGJIEDAIXINXI,PANDUANYONGHUXINYONGZHIJIEYOUXIAO。

DANSHI,YUNYINGSHANGSHUJUHEDIANSHANGSHUJUHENNANTONGGUOPACHONGZHIWAIDETUJINGHUOQU,YINCITIGONGXIANJINDAIDEGONGSIYIBANDOUTONGGUOPACHONGLAIHUOQUZHEIXIESHUJU。“YOUYUJIANGUANJIAOYAN,BINGBUSHISHEIQUJIESHUJU,YUNYINGSHANGHUOZHEXIANGGUANDESANFANGFENGKONGFUWUDOUYUANYITIGONG,WANGWANGYAOQIUZIZHI。ERQIE,YUNYINGSHANGTIGONGDESHUJUDOUBUSHIYUANSHISHUJU。DIANSHANGSHUJUZEFEICHANGNANJIE,BIRUALIZIJIJIUYOUDAIKUANCHANPIN,TAZHIWEIZIJITIXINEIDECHANPINTIGONGFENGKONGFANGMIANDEZHICHI。”YIWEIFENGKONGXINGYERENSHIXIANGLINGYICAIJINGTOULU。XINYONGKASHUJU,714DENGGONGSIYUNYONGJIAOSHAO,XIANJINDAIGONGSIYOUDEHUIYINGYONG,DANSHIYINGYONGBINGBUSHISHIFENGUANGFAN,YINCICICIYINGXIANGMIANBUDA。

XIANZAI,YUNYINGSHANGSHUJUHEDIANSHANGSHUJUDEQUESHI,SHIDEDADUOSHUXIAOFEIJINRONGLEIGONGSIDOUBUDEBUDIAOZHENGFENGKONGFANGAN。

寻找替代方案

XUNZHAOTIDAIFANGAN,SHIDANGXIAZUIJINPODEWENTI。

SHOUXIANBEIXIANGDAODETIDAIFANGANSHIZIJIANPACHONGTUANDUI。DANSHI,JULINGYICAIJINGLEJIE,ZHEIYANGZUODEGONGSIMUQIANBINGBUDUO。YUANYINSHICONGWUDAOYOUZIJIANPACHONGTUANDUIDECHENGBENBIJIAOGAO,ERQIEYAOZIJIANPACHONGTUANDUI,GUANJIANSHIYAOWADAOHESHIDEREN,ZHEIFANGMIANDERENCAISHANGYOUQUEKOU。GENGMAFANDESHI,ZIJIANPACHONGTUANDUIKONGFEIZHANGJIUZHIJI。YIWEIFENGKONGXINGYEZISHENRENSHIGAOSULINGYICAIJING,RUGUOZIJIANPACHONGTUANDUI,HAISHISHEJIDAOPAQUSHUJUWEIGUI、QINFANGERENYINSIDEWENTI,WENTIZAI“QIANGZHISHOUQUAN”SHANG,ERBUZAI“GUYONGDISANFANGPA”HAISHI“ZIJIANTUANDUIPA”SHANG。

ZIJIANPACHONGTUANDUIDEXIANGFABEIFANGQIZHIHOU,NENGBUNENGJIERUBIEDESHUJUYUAN,CHENGWEISHOUXIANBEIKAOLVDEFANGXIANG。

GUOQINGJIEQIANHOU,XUDUOYOUXIANJINDAICHANPINDEGONGSIZAIMIQIEJIECHUNENGGOUJIECHUDAOSHUJUDEJIGOU。ZHEICISHOUYINGXIANGBUDADEJIGOU,RUYINXING、BATJQIXIAJINRONGKEJIGONGSI、TOUBUP2PPINGTAI、XIAOFEIJINRONGGONGSIDENGBEIMOLEYIQUAN。YOUYENEIRENSHIXIANGLINGYICAIJINGTOULU,MUQIANJIERUTOUBUP2PGONGSI、XIAOFEIJINRONGGONGSIKENENGSHIBIJIAOHAODETIDAIFANGAN。“YAOHEYINXINGDUIJIE,QIMAYAO6GEYUEZHIHOU,SHIJIANTAIZHANG,DENGBUQI。BATJZHEIXIEJIGOUDOUBUHUIJIWOMENJIE,ZHIYOUYIXIETOUBUP2PJIGOUYUANYIHEWOMENTAN,ERQIEDUIJIESHIJIANYEBUYONGTAIZHANG。”TATOULU。

ZHEIQIZHONG,JIGOUZHIJIANDEXIANGHUDUIJIE,DOUKAISHI“KANSHENFEN”。YIFANGMIAN,YIXIEYOUSHUJUYUANDEJIGOUZHIYUANYIYUCHIPAIJINRONGJIGOUHEZUO;YIFANGMIAN,CHIPAIJINRONGJIGOU,YEYAOKANHEZUOFANGSHIFOUHUODELEHEFADESHUJUYUANSHOUQUAN。

BUGUO,NAIRENXUNWEIDESHI,SHISHISHANGZUIWEIHEGUI、BINGQIEBEIRENWEISHIDASHUJUFENGKONGWEILAIFANGXIANGDETIDAIFANGAN——LIANHEJIANMO,SUIRANMUQIANSHICHANGREDUYOUSUOSHANGSHENG,DANSHISHENCHUQIZHONGDEGONGSI,CHAYIQUEHENDA。

联合建模“冰火两重天”

GUOQINGJIEHOU,LINGYICAIJINGXUNWENDUOWEILIANHEJIANMOYENEIXIANGGUANRENSHI,YEWULIANGSHIFOUYOUDAFUDUTISHENG,DEDAODEHUIDABUJINXIANGTONG:YOUDEGONGSIXIAOSHOUDIANHUABEIDABAO,YOUDEGONGSIZHISHIYEWUDEXUNWENLIANGYOUYIDINGCHENGDUDESHANGSHENG、QIANDANLIANGYEYOUSHANGSHENG,DANSHISHIJICHENGJIAOLIANGBINGMEIYOU“BAOZHANG”。

LIANHEJIANMOSHIDASHUJUFENGKONGXINGYEZUIWEIHEGUIDEYEWU,2015NIANQIANHOUJIUYIJINGZAISHICHANGSHANGCHUXIAN。

YIWEIYENEIRENSHIGAOSULINGYICAIJING,QISHIZUIZAOLIANHEJIANMODECHUXIAN,JIUSHIWEILEJIEJUEYIGEWENTI——HENDUOSHUJUDUIJINRONGJIGOUDEFENGXIANKONGZHIHENYOUYONG,DANSHICHUYUYONGHUYINSIBAOHUDEYINSU,ZHEIXIESHUJUMEIFANADAO,MEIFABEIJINRONGFENGKONGYEWUYUNYONG。LIANHEJIANMODEZUIZHONGMUDE,JIUSHIJIBAOHUYONGHUYINSI、YOUKONGZHIHAOJINRONGFENGXIAN,YINWEIZHEIXIANGJISHUKEYIZAISHUANGFANGSHUJUBUCHUBENDIDEQINGKUANGXIA,YUNYONGSHUJUJIANLIFENGKONGMOXING。

DANSHI,ZAICICIDABUFENZHULIUCHANGSHANGDEPACHONGFUWUZANTINGZHIQIAN,LIANHEJIANMOSHICHANGBINGBUDA。JUYENEIRENSHIGUJI,YENEIYONGLIANHEJIANMOZHEIZHONGFANGANJINXINGFENGXIANKONGZHIDEGONGSIDAGAIZHIZHANSICHENG,LIUCHENGDEGONGSIDOUSHITONGGUOPACHONGHUOQUSHUJU。ZHEIQIZHONGDEYUANYINYOULIANGGE:YIGESHICHENGBEN,LIANHEJIANMODECHENGBENBIJIAOGAO,BIRULIANHEJIANMOYIGEMOXINGJIUXUYAOZHISHAO10WANYUAN,ZHILIANGHAOYIXIEDELIANHEJIANMO,JIASHANGSHANGWUQIATANCHANSHENGDEFEIYONGZHISHAO30WAN,YOUDEZEKENENGGAODA50WAN,DUIGUIMOJIAOXIAODEGONGSILAISHUOBINGBUHUASUAN;LINGYIGEYUANYINSHISHUJU,BUSHAOJINRONGGONGSIZHUYAOSHIKANZHONGWAIBUDEYIXIEZHONGYAOSHUJUYUAN,ERBUSHIJIANMONENGLI。ERZAISHIJIYEWUZHONG,QUEFASHUJUYUANDELIANHEJIANMO,QIXIAOGUOYEBUSHITEBIEHAO,ZAISHICHANGSHANGQUEFAJINGZHENGLI。

CICILIANHEJIANMOGONGSICHUJINGCHAYIDA,QIYUANYINZHUYAOZAI“SHUJU”。JULINGYICAIJINGLEJIE,SUIRANQUANXINGYEDOUZAIXUNZHAOTIDAIFANGAN,DANSHIDAJIADOUSHIZAIXUNZHAOKETIDAIDESHUJUYUAN。“SUIRANSHUOSHIZAIZHAOLIANHEJIANMO,DANQISHIRUGUONIYOUDUTEDESHUJUYUAN,BIERENCAIHUIHENILIANHEJIANMO。RUGUONIMEIYOU,ZHIYOUJISHU,NEIJIUBUXING。”YIWEIXINGYERENSHITANYAN。

DUOWEIYENEIRENSHIXIANGLINGYICAIJINGTOULU,HAIYOUYIGEDUTEDEXIANXIANGSHI,LIANHEJIANMOZHEIGELINGYU,ZUODEHAODEGONGSI“MENSHENGFADACAI”,SHICHANGSHANGJIHUKANBUDAOTAMENDEXUANCHUAN。ERZAIDAOCHUZUOSHICHANGTUIGUANGDEGONGSI,SHIJISHANGYEWUZUODEBINGBUDUO。“YINWEINEIXIEZUODEHAODEGONGSIBUXUYAOXUANCHUAN,QUANXINGYEDOUZHIDAOTAMEN。”TABIAOSHI。

BUGUO,SUIZHEJIANGUANDEJIAQIANG,LIANHEJIANMOBEIYENEIRENWEIQUESHISHIWEILAIDEFANGXIANG。YINWEISUIZHEDUISHUJUHEGUIDEJIANGUANRIYIYANGE,LIANHEJIANMOJIANGCHENGWEIBUDEBUXUANZEDEFANGAN。SUIRANXIANZAIHENDUOZUOLIANHEJIANMOYEWUDEGONGSIDOUHAIZAIALUNHEBLUNDEJIEDUAN,DADUOSHUGUIMOHAIHENXIAO,DANSHIYOUXINGYERENSHIYUCE:“WEILAISANNIAN,LIANHEJIANMOYINGGAIHUIYUELAIYUERE,KENENGBIANCHENG‘HONGHAI’,ERQIEHUIZHUJIANXINGCHENGBIJIAOMINGXIANDEXINGYEGEJU。”

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