• 微博
  • 微信微信二维码

广东省人民政府首页  >  要闻动态  >  广东要闻

巴曙松教授在线问答:如何从产品设计上,提高互联网贷款逾期客户的违约成本?

来源: 南方日报网络版     时间: 2019年02月21日 04:34:45
【字体:

重庆时时彩改20分钟信誉平台官方,招龙虎和代理注册实力诚招代理Q扣992.77.339时时彩龙虎和,意彩彩票代理,意彩官网,意彩平台注册,意彩乐官网,意彩娱乐官方网站巴曙松教授在线问答:如何从产品设计上,提高互联网贷款逾期客户的违约成本?

传闻消息:骑士该瞄准肯巴-沃克?黄蜂这报价太难满足! U23亚洲杯四强正式出炉,国足一直不屑的鱼腩创造奇迹 无惧打压!国乒打脸国际乒联,提前包揽男女单打冠军  越南足球创造历史!民众举国狂欢,锅碗瓢盆成庆祝工具 要脸吗?中超外援沦为水货后疯狂甩锅,炮轰中国球员水平差 开门黑!后李永波时代国羽大溃败,东京奥运恐尴尬零冠 特朗普的“大礼”:政府“关门” 市场真的会变天? 时至今日,乔丹接受采访时终于说出生涯唯一后悔的事!科比点赞! A股再现蓝筹“明星”,红星美凯龙后续还有几个涨停? 勇士卸磨杀驴,2百万奇兵被摆上货架,科尔言而无信球迷大骂活该! 德甲-博阿滕助攻穆勒扳平 半场拜仁1-1平不来梅 国羽再遭重创!2018年首战夺0冠,羽联新政害惨中国队! 阿布扎比赛:弗利特伍德成功卫冕 吴阿顺第22位 马克龙:英国可与欧盟达成特殊的贸易协议 国乒夺5冠军3亚军!樊振东拯救国乒挨罚天才夺冠 准世界冠军遮羞

(原)(标)(题)(:巴)(曙)(松)(教)(授)(在)(线)(问)(答)(:如)(何)(从)(产)(品)(设)(计)(上)(,提)(高)(互)(联)(网)(贷)(款)(逾)(期)(客)(户)(的)(违)(约)(成)(本)(?
fieldsetstyle="padding:5px;border-radius:5px;border:1pxsolidrgb(0,187,236);color:rgb(62,62,62);line-height:25.6px;font-family:"239);"=""239,=""rgb(239,=""border-box=""break-word=""gb","microsoft=""sans=""hiragino=""
编)(者)(语)(:
随)(着)(互)(联)(网)(的)(兴)(起)(和)(大)(数)(据)(风)(控)(技)(术)(的)(发)(展)(,互)(联)(网)(贷)(款)(应)(运)(而)(生)(。那)(么)(,如)(何)(从)(产)(品)(设)(计)(上)(,提)(高)(互)(联)(网)(贷)(款)(逾)(期)(客)(户)(的)(违)(约)(成)(本)(?本)(文)(观)(点)(仅)(代)(表)(作)(者)(作)(为)(一)(位)(研)(究)(人)(员)(个)(人)(的)(看)(法)(,不)(代)(表)(任)(何)(机)(构)(的)(意)(见)(和)(看)(法)(。敬)(请)(阅)(读)(。
回)(答)(人)(
/
巴)(曙)(松)(
由)(于)(当)(前)(中)(国)(的)(信)(用)(体)(系)(还)(不)(太)(不)(健)(全)(,小)(微)(企)(业)(财)(务)(信)(息)(不)(太)(透)(明)(、往)(往)(缺)(乏)(抵)(押)(物)(,部)(分)(个)(人)(收)(入)(较)(低)(或)(不)(稳)(定)(,导)(致)(小)(微)(企)(业)(和)(个)(人)(的)(违)(约)(风)(险)(较)(高)(,风)(控)(成)(本)(通)(常)(比)(大)(企)(业)(高)(,因)(而)(正)(规)(金)(融)(机)(构)(往)(往)(主)(要)(服)(务)(于)(大)(中)(型)(企)(业)(和)(优)(质)(个)(人)(客)(户)(。很)(多)(小)(微)(企)(业)(和)(个)(人)(难)(以)(享)(受)(到)(正)(规)(金)(融)(机)(构)(的)(借)(款)(服)(务)(。随)(着)(互)(联)(网)(的)(兴)(起)(和)(大)(数)(据)(风)(控)(技)(术)(的)(发)(展)(,互)(联)(网)(贷)(款)(应)(运)(而)(生)(。
根)(据)(网)(贷)(之)(家)(数)(据)(,截)(至)(2017年)(12月)(,正)(常)(运)(营)(平)(台)(1931家)(,成)(交)(量)(2248.09亿)(元)(,平)(均)(借)(款)(期)(限)(10.02月)(。在)(达)(到)(一)(定)(规)(模)(后)(,网)(贷)(平)(台)(可)(以)(形)(成)(有)(效)(的)(风)(控)(模)(型)(降)(低)(风)(控)(成)(本)(,从)(而)(为)(小)(微)(企)(业)(和)(个)(人)(服)(务)(。在)(网)(贷)(市)(场)(上)(,不)(同)(平)(台)(针)(对)(不)(同)(客)(群)(开)(发)(了)(不)(同)(的)(产)(品)(,譬)(如)(宜)(信)(等)(主)(要)(做)(大)(额)(中)(长)(期)(贷)(款)(,信)(而)(富)(等)(做)(小)(额)(消)(费)(贷)(款)(。网)(络)(借)(款)(具)(有)(门)(槛)(低)(、到)(账)(快)(、还)(款)(灵)(活)(等)(优)(点)(,但)(利)(率)(相)(对)(较)(高)(。在)(网)(贷)(市)(场)(,头)(部)(平)(台)(利)(率)(相)(对)(较)(低)(、放)(款)(速)(度)(较)(快)(、催)(收)(也)(更)(为)(严)(格)(,客)(群)(相)(对)(优)(质)(;中)(小)(平)(台)(由)(于)(规)(模)(较)(小)(,利)(率)(较)(高)(、催)(收)(力)(度)(较)(差)(,客)(群)(质)(量)(相)(对)(较)(差)(。即)(使)(是)(和)(头)(部)(平)(台)(共)(有)(的)(客)(户)(,鉴)(于)(违)(约)(成)(本)(相)(对)(更)(高)(,借)(款)(人)(也)(往)(往)(会)(优)(先)(偿)(还)(大)(平)(台)(的)(借)(款)(。根)(据)(中)(国)(互)(联)(网)(金)(融)(协)(会)(互)(联)(网)(金)(融)(登)(记)(披)(露)(服)(务)(平)(台)(的)(信)(息)(显)(示)(,甚)(至)(有)(平)(台)(的)(项)(目)(逾)(期)(率)(达)(到)(98.42%,金)(额)(逾)(期)(率)(高)(达)(34.56%。因)(而)(,互)(联)(网)(贷)(款)(平)(台)(需)(要)(提)(高)(逾)(期)(客)(户)(的)(违)(约)(成)(本)(以)(降)(低)(违)(约)(率)(。
违)(约)(成)(本)(是)(指)(借)(款)(人)(需)(要)(为)(其)(违)(约)(行)(为)(付)(出)(的)(代)(价)(和)(损)(失)(,既)(包)(括)(经)(济)(损)(失)(,也)(包)(括)(非)(经)(济)(损)(失)(。一)(般)(来)(说)(,借)(款)(人)(的)(违)(约)(成)(本)(包)(括)(以)(下)(几)(个)(方)(面)(:
1、额)(外)(的)(经)(济)(负)(担)(,譬)(如)(逾)(期)(费)(用)(、催)(收)(费)(用)(、法)(律)(费)(用)(等)(;
2、经)(营)(或)(家)(庭)(生)(活)(、社)(会)(声)(誉)(及)(评)(价)(受)(到)(影)(响)(,主)(要)(通)(过)(催)(收)(实)(现)(;
3、负)(面)(的)(征)(信)(记)(录)(,通)(过)(上)(人)(行)(征)(信)(,影)(响)(借)(款)(人)(后)(续)(向)(银)(行)(等)(金)(融)(机)(构)(借)(款)(的)(可)(得)(性)(;
4、机)(会)(成)(本)(,如)(果)(违)(约)(降)(低)(借)(款)(人)(评)(级)(或)(拒)(绝)(授)(信)(,拉)(入)(黑)(名)(单)(,不)(再)(授)(信)(,如)(果)(守)(约)(,后)(期)(借)(款)(给)(予)(利)(率)(优)(惠)(;
5、心)(理)(负)(担)(,借)(债)(还)(钱)(是)(基)(本)(的)(道)(德)(和)(法)(律)(要)(求)(,在)(利)(率)(合)(理)(的)(情)(况)(下)(,违)(约)(会)(给)(借)(款)(人)(造)(成)(心)(理)(负)(担)(。但)(是)(,利)(率)(过)(高)(的)(时)(候)(,借)(款)(人)(就)(会)(认)(为)(这)(是)(高)(利)(贷)(不)(合)(法)(,从)(而)(降)(低)(其)(心)(理)(违)(约)(成)(本)(。在)(具)(有)(还)(款)(能)(力)(时)(,借)(款)(人)(会)(衡)(量)(还)(或)(不)(还)(的)(后)(果)(,如)(果)(违)(约)(带)(来)(的)(收)(益)(大)(于)(守)(约)(的)(收)(益)(,借)(款)(人)(会)(选)(择)(拒)(绝)(偿)(还)(借)(款)(。但)(如)(果)(其)(违)(约)(成)(本)(大)(于)(遵)(守)(合)(同)(的)(收)(益)(时)(,就)(会)(按)(期)(还)(款)(。
从)(产)(品)(设)(计)(的)(角)(度)(来)(看)(,提)(高)(违)(约)(成)(本)(的)(方)(式)(主)(要)(有)(贷)(款)(利)(率)(、担)(保)(方)(式)(、违)(约)(惩)(罚)(机)(制)(三)(大)(类)(。贷)(款)(利)(率)(方)(面)(,对)(于)(守)(约)(借)(款)(人)(给)(予)(借)(款)(利)(率)(优)(惠)(;通)(过)(制)(定)(合)(理)(的)(利)(率)(确)(保)(在)(借)(款)(人)(违)(约)(时)(给)(其)(造)(成)(心)(理)(负)(担)(。担)(保)(方)(式)(方)(面)(,可)(以)(要)(求)(借)(款)(人)(增)(加)(抵)(押)(担)(保)(、质)(押)(担)(保)(、保)(证)(人)(,增)(加)(借)(款)(人)(的)(违)(约)(成)(本)(。违)(约)(惩)(罚)(机)(制)(方)(面)(,可)(以)(约)(定)(贷)(款)(人)(的)(权)(利)(和)(借)(款)(人)(的)(违)(约)(责)(任)(,由)(借)(款)(人)(支)(付)(逾)(期)(费)(用)(,可)(以)(上)(门)(催)(收)(并)(由)(借)(款)(人)(承)(担)(催)(收)(成)(本)(,如)(果)(起)(诉)(由)(借)(款)(人)(承)(担)(律)(师)(费)(、诉)(讼)(费)(等)(相)(关)(费)(用)(。贷)(款)(人)(或)(平)(台)(可)(以)(公)(开)(借)(款)(人)(的)(违)(约)(信)(息)(,提)(供)(给)(各)(类)(征)(信)(机)(构)(、银)(行)(等)(金)(融)(机)(构)(、媒)(体)(、用)(人)(单)(位)(等)(。譬)(如)(,有)(平)(台)(针)(对)(逾)(期)(不)(还)(的)(处)(理)(制)(定)(了)(以)(下)(规)(则)(:一)(定)(期)(限)(内)(逾)(期)(,计)(算)(逾)(期)(罚)(息)(,而)(超)(过)(期)(限)(的)(,将)(进)(入)(仲)(裁)(流)(程)(,下)(发)(仲)(裁)(书)(。仲)(裁)(书)(属)(于)(一)(裁)(终)(局)(,如)(果)(部)(分)(“钉)(子)(户)(”继)(续)(拒)(绝)(还)(款)(,那)(么)(这)(部)(分)(用)(户)(将)(被)(法)(院)(强)(制)(执)(行)(,执)(行)(未)(果)(的)(将)(被)(列)(入)(失)(信)(者)(名)(单)(,成)(为)(人)(们)(口)(中)(所)(说)(的)(“老)(赖)(”,生)(活)(的)(方)(方)(面)(面)(将)(受)(到)(限)(制)(。综)(合)(而)(言)(,低)(利)(率)(、强)(担)(保)(、严)(厉)(可)(信)(的)(惩)(罚)(机)(制)(可)(以)(提)(高)(借)(款)(人)(的)(违)(约)(成)(本)(,降)(低)(违)(约)(率)(。(完)()
文)(章)(来)(源)(:悟)(空)(问)(答)(2018年)(1月)(17日)((本)(文)(观)(点)(仅)(代)(表)(作)(者)(作)(为)(一)(位)(研)(究)(人)(员)(个)(人)(的)(看)(法)(,不)(代)(表)(任)(何)(机)(构)(的)(意)(见)(和)(看)(法)()
本)(篇)(编)(辑)(:彭)(淳)(懿)(返)(回)(搜)(狐)(,查)(看)(更)(多)(责)(任)(编)(辑)(:
声)(明)(:该)(文)(观)(点)(仅)(代)(表)(作)(者)(本)(人)(,搜)(狐)(号)(系)(信)(息)(发)(布)(平)(台)(,搜)(狐)(仅)(提)(供)(信)(息)(存)(储)(空)(间)(服)(务)(。
阅)(读)(()
)


相关文章

版权所有:南方新闻网 粤ICP备05070829 网站标识码4400000131
主办:南方新闻网 协办:广东省经济和信息化委员会 承办:南方新闻网
建议使用1024×768分辨率 IE7.0以上版本浏览器