华夏信财“壹分期”:消费金融看着好,做起来挺难

2017-04-19 14:00:00 华夏信财

4月12日,华夏信财旗下消费金融子品牌“壹分期”受邀参加网贷之家对话CEO上海站。会议就消费金融领域最新监管和行业发展动态,来自全国各地的互联网金融高管和一线从业人员做了充分的交流,“壹分期”副总经理谢晓峰作为此次代表出席本次会议。

图中右起第三人,为谢晓峰


本次会议话题与以往不同。近日,因现金贷乱象,超高利率、暴力催收、虚假宣传等问题,让不少借款人成为现金贷债务的“奴隶”。4月10日,监管层首次点名现金贷,并发布《中国银监会关于银行业风险防控工作的指导意见》,提到要做好现金贷的清理整顿工作。

究竟,现金贷、消费金融有何异同之处?未来消费金融行业究竟是怎样的走向?针对这些问题,参会人员进行了深入交流。

华夏信财“壹分期”副总经理谢晓峰分享了自己的心得。“对消费金融一开始看很好,但是真正去做没那么简单。”他表示,场景和用户需求是很重要的,但行业问题根本在于很多时候都忽略了金融的属性,重规模而审核不严,风险敞口大。


图中,讲话人为谢晓峰


结合自身实践,谢晓峰强调,我们的放贷通过率不高,而观察之前一直跑量的公司,现在已经退出了。对于消费金融“秒放”的现象,谢晓峰表示出了忌惮之心。

此前,有业内人士爆出中国互联网金融协会近期向会员单位下发了《互联网金融信息披露标准-消费金融(征求意见稿)》,意味着国内首份互联网消费金融领域的官方规范性文件或将面世。

对此,谢晓峰表示支持,在他看来,对于目前行业内所出现的歪路、乱象确实应该得到及时地制止,才能让整个行业走向正规,才是发展的硬道理。“壹分期”将始终坚持公开、透明、合规的原则,践行“普惠金融”的企业使命和社会责任。


HuaXia Finance and Yi FenQi Partner in Microcredit Underwriting

The latest regulatory developments in the financial sector were examined in detail at the April 12th China Consumer Finance Committee Meeting where executives from industry leading firms came together and discussed increasing transparency in the individualized microcredit loan underwriting process. General Manager of Yi FenQi, Xie Xiaofeng, attended the meeting.

As one of the largest Internet Financial Service Platforms operating in China, we strive to set the standard for industry compliance and position ourselves as an exemplary firm to combat insincere Marketplace Lending practices such as exorbitant interest rates, cash loans, and unethical debt collection processes. Following the April 10th statement from the CBRC, we aim to continue to guide the industry in minimizing risk and ensuring client safety against systematic risk. Hand-in-hand with Yi FenQi, we will lead the industry in pre-regulatory compliance and asset management.

Xie Xiaofeng stated, “It is essential to expand consumer finance, but it is not a simple task” and that many industries currently operating do not have adequate risk-prevention measures established. Their goal is to standardize the Borrower acquisition industry and the underwriting of individualized microloans across China. Through our working partnership with Yi FenQi, we here at HuaXia Finance can effectively streamline the Borrower underwriting processes while continuing our essential mission to maintain full compliance with the China Internet Finance Association and enhance transparency across our platform.

HuaXia Finance and Yi FenQi will always adhere to the fundamental principles and cornerstones in this new age of Internet finance; trust, transparency, integrity, and risk management.

In Credit We Trust, Wealth for Life