+AS2017 《点融网金融科技的大数据解决方案》 单忆南

2020-03-01 334浏览

  • 1.点融网 金融科技的大数据解决方案 单忆南 Sync 高级数据总监
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  • 4.S y n c 点融网 高级数据总监 l 在搜索引擎搜索广告以及电商等垂直搜索有 富经验，对ranking，推荐，反欺诈，智能系统等 领域的架构和建模都有深入的理解，曾就职于百 度和eBay等大型互联网公司。 l 2015年加入点融网，独立设计实施了基于大数 据的风控引擎，组建和完善了基于HDFS的数据 仓库组和BI团队。
  • 5.Dianrong History Ø Founded in Shanghai, China with technology platform from Lending Club! Ø We are Six years old! Ø VC investment from Northern Light Venture Capital, Tiger Global, Standard Chartered Private Equity, China Internet Fintech Fund, Bohai Financial, and Max Giant! ! Ø Over 2,600 employees and 28 offices across China! Ø Launched China’s First Block chain platform with Foxconn ! ! 2011 2012 2013 2014 2015 2016 2017 Ø As of end of Apr 2017, total lender volume reached 29 billion RMB, accumulated interest for lenders exceeded 1 billion RMB.!
  • 6.• Fintech Overview • Loan business • Lender management • Intelligent business management • Big data solution architecture overview
  • 7.Fintech Overview Efficiency! Transparency! User experience! Higher coverage! Security! A Range of Technology Strengths •Payments:Digital wallets, peerto-peer payments •Investment:Peer-to-peer lending •Insurance:Risk management • IntelligentAdvisory:Robo-advisor • Retail Banking and Supply Chain Finance •Financing:Crowdfunding, microloans and credit facilities • BlockChain:Bitcoin
  • 8.Big Data Applications Ø Loan Business! • • • • Fraud Detection! Credit worthiness! Intelligent collection! Risk based pricing ! Ø Customer Management! • • • • • • User profile! Behavior analysis! Behavior prediction! Call center operation! User segmentation! Anti Econnoisseur! Ø Business Management! ! ! • Risk management! • Portfolio management! Data requirement! Engineering! Algorithm! Borrower Profile! Social network data ! PBOC! Loan status! ! Third party data integration! Extensible/flexible! Near real time processing! 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! Monte Carlo !
  • 9.• Fintech Overview • Loan business • Lender management • Intelligent business management • Big data solution architecture overview
  • 10.Loan Business – Data Collection Industry & commerce bureau data Personal credit Corporate credit Credit! Consumption! Travel records Police records Carriers! Risk Data Collection Ecommerce records Judicial records Social! Behavior! Bank cards transactions Internet data Default records Other!
  • 11.Loan Business- Online Risk Engine Workflow
  • 12.Loan Business – Knowledge graph
  • 13.Loan Business – Knowledge graph
  • 14.Loan Business – Knowledge graph
  • 15.Loan Business – Knowledge graph
  • 16.Loan Business – Knowledge graph Group Fraud Organizer / Collection number!
  • 17.Loan Business – Knowledge graph update heavy Features & Capabilities! OrientDB Community! Neo4j Community! Graph Database! ü ! ü ! ACID! ü ! ü ! TinkerPop Compliance! ü ! ü ! Java Hooks! ü ! ü ! Sharding! ü ! Multi-Master replication! ü ! SQL*! ü ! ...! read mostly! ...! Otheroptions:Titan, GraphDB! read latest ...! short range!
  • 18.• Fintech Overview • Loan business • Lender management • Intelligent business management • Big data solution architecture overview
  • 19.Customer Management – Behavior Data
  • 20.Customer Management – Profile Data
  • 21.• Fintech Overview • Loan business data product • Lender management data product • Intelligent business management • Big data solution architecture overview
  • 22.Intelligent business management
  • 23.Intelligent business management
  • 24.• Fintech Overview • Loan business data product • Lender management data product • Intelligent business management • Big data solution architecture overview
  • 25.Architecture Overview
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