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农村3万亿蓝海:7亿农民零征信,风控之难怎么破?

来源: 南方日报网络版     时间: 2019年10月22日 16:26:26
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幸运飞艇里的龙虎是什么信誉老台子平台直属招商客服【QQ】【99045161】诚招代理【在线开户网址um298.com】龙虎和龙虎1赔2.211合1赔9.95,定位胆1赔9.95腾讯5,10分欢乐生肖,最高返水100反9快,最高赔率。农村3万亿蓝海:7亿农民零征信,风控之难怎么破?

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(这)(也)(给)(了)(互)(联)(网)(公)(司)(诸)(多)(机)(会)(。
三)(股)(力)(量)(杀)(入)(了)(这)(片)(蓝)(海)(:产)(业)(系)(、巨)(头)(系)(和)(互)(联)(网)(系)(。
一)(些)(农)(业)(的)(核)(心)(企)(业)(,开)(始)(尝)(试)(用)(供)(应)(链)(金)(融)(的)(方)(式)(,渗)(透)(进)(这)(片)(市)(场)(,如)(新)(希)(望)(集)(团)(。
阿)(里)(和)(京)(东)(为)(首)(的)(互)(联)(网)(巨)(头)(,搭)(乘)(着)(“电)(商)(”的)(方)(舟)(,也)(杀)(入)(海)(域)(,他)(们)(提)(供)(三)(项)(服)(务)(,支)(付)(、保)(险)(、贷)(款)(,试)(图)(用)(互)(联)(网)(的)(方)(式)(,“降)(维)(攻)(击)(”农)(村)(。
截)(至)(2015年)(,蚂)(蚁)(金)(服)(旗)(下)(的)(三)(农)(用)(户)(数)(达)(到)(了)(2.92亿)(,京)(东)(招)(募)(27万)(名)(乡)(村)(推)(广)(员)(,覆)(盖)(27万)(个)(行)(政)(村)(。
此)(时)(,行)(业)(另)(一)(个)(利)(好)(信)(号)(释)(放)(。
2017年)(年)(初)(,中)(央)(一)(号)(文)(件)(发)(布)(了)(关)(于)(农)(村)(金)(融)(的)(“千)(字)(文)(”,大)(力)(鼓)(励)(发)(展)(农)(村)(金)(融)(。
“政)(府)(的)(大)(门)(打)(开)(了)(。”农)(分)(期)(CEO周)(建)(说)(,政)(策)(给)(了)(互)(联)(网)(系)(的)(平)(台)(,一)(个)(官)(方)(“身)(份)(”。
政)(策)(的)(加)(持)(,让)(行)(业)(如)(虎)(添)(翼)(。
互)(联)(网)(金)(融)(的)(创)(新)(者)(们)(,开)(始)(以)(惊)(人)(的)(速)(度)(发)(展)(。从)(2016年)(至)(今)(,共)(有)(12家)(农)(村)(金)(融)(平)(台)(宣)(布)(获)(得)(融)(资)(。
多)(位)(业)(内)(人)(士)(预)(测)(,2017年)(,将)(成)(为)(农)(村)(金)(融)(发)(展)(的)(黄)(金)(时)(代)(,大)(量)(的)(平)(台)(将)(在)(资)(本)(和)(政)(策)(的)(加)(持)(下)(,迅)(速)(崛)(起)(。
蛰)(伏)(数)(年)(,终)(于)(到)(了)(扬)(帆)(起)(航)(之)(时)(。
02重)(度)(垂)(直)(
在)(中)(国)(农)(村)(,我)(们)(看)(到)(一)(个)(不)(可)(逆)(转)(的)(趋)(势)(。
大)(量)(青)(壮)(年)(劳)(动)(力)(流)(出)(农)(村)(,涌)(向)(城)(市)(,而)(留)(守)(农)(村)(的)(,大)(部)(分)(是)(老)(弱)(妇)(孺)(,基)(本)(不)(具)(备)(耕)(种)(土)(地)(的)(能)(力)(。
这)(也)(意)(味)(着)(,农)(村)(大)(量)(土)(地)(,面)(对)(无)(人)(耕)(种)(的)(尴)(尬)(——农)(村)(正)(在)(走)(向)(“空)(心)(化)(”。
但)(同)(时)(,一)(个)(新)(生)(金)(融)(体)(开)(始)(形)(成)(——农)(场)(主)(。他)(们)(从)(农)(民)(手)(里)(,将)(土)(地)(“流)(转)(”过)(来)(,汇)(聚)(在)(一)(起)(,集)(体)(耕)(种)(。
而)(这)(个)(群)(体)(,完)(全)(具)(有)(金)(融)(的)(开)(发)(价)(值)(。
说)(起)(来)(也)(有)(趣)(,在)(中)(国)(,农)(民)(可)(能)(是)(对)(借)(贷)(接)(受)(度)(最)(高)(的)(群)(体)(。从)(封)(建)(社)(会)(开)(始)(,农)(民)(就)(有)(一)(个)(传)(统)(——春)(天)(借)(钱)(,秋)(收)(还)(钱)(。
而)(赊)(销)(,也)(是)(农)(村)(常)(有)(的)(销)(售)(方)(式)(。
关)(键)(是)(,这)(个)(新)(生)(群)(体)(散)(落)(在)(全)(国)(,极)(为)(分)(散)(——如)(何)(将)(这)(群)(有)(金)(融)(需)(求)(的)(群)(体)(聚)(集)(起)(来)(,成)(了)(关)(键)(。
“要)(想)(把)(农)(村)(金)(融)(做)(起)(来)(,就)(要)(把)(双)(脚)(双)(手)(都)(插)(到)(泥)(土)(里)(去)(,”周)(建)(说)(,在)(这)(里)(,“不)(重)(的)(玩)(法)(必)(死)(”。
如)(今)(,农)(分)(期)(有)(近)(600线)(下)(人)(员)(,一)(个)(信)(贷)(员)(负)(责)(两)(三)(个)(镇)(,“收)(集)(农)(户)(需)(求)(,要)(跑)(烂)(几)(双)(鞋)(”,专)(门)(给)(农)(户)(做)(农)(资)(和)(农)(机)(的)(分)(期)(。
而)(山)(水)(普)(惠)(创)(始)(人)(王)(坤)(,也)(和)(周)(建)(持)(同)(样)(的)(看)(法)(——在)(这)(个)(中)(国)(边)(缘)(的)(“封)(闭)(圈)(层)(”中)(,只)(有)(“重)(度)(”,才)(可)(“深)(耕)(”。
目)(前)(,山)(水)(普)(惠)(也)(在)(线)(下)(派)(出)(1700多)(人)(,每)(个)(城)(镇)(满)(编)(27人)(。
“一)(个)(村)(也)(就)(两)(到)(三)(户)(种)(植)(大)(户)(”,周)(建)(称)(,因)(此)(只)(能)(通)(过)(线)(下)(人)(员)(去)(“采)(集)(”需)(求)(,甚)(至)(挖)(掘)(需)(求)(。
用)(重)(度)(垂)(直)(的)(方)(式)(,深)(入)(农)(村)(后)(,形)(成)(壁)(垒)(——互)(联)(网)(金)(融)(的)(拓)(荒)(者)(们)(,正)(在)(用)(这)(种)(最)(苦)(最)(累)(的)(方)(式)(,开)(垦)(农)(村)(的)(金)(融)(市)(场)(。
03风)(控)(难)(题)(
农)(村)(金)(融)(最)(难)(破)(解)(的)(难)(题)(是)(什)(么)(?
几)(乎)(所)(有)(人)(的)(答)(案)(,都)(是)(“风)(控)(”。
农)(民)(无)(疑)(是)(中)(国)(征)(信)(最)(薄)(弱)(的)(环)(节)(。他)(们)(缺)(乏)(央)(行)(征)(信)(,有)(些)(人)(甚)(至)(没)(有)(银)(行)(卡)(;他)(们)(互)(联)(网)(化)(程)(度)(较)(低)(,可)(参)(考)(的)(风)(控)(数)(据)(太)(少)(。
周)(建)(发)(现)(,自)(己)(客)(户)(群)(体)(的)(画)(像)(是)(,一)(群)(平)(均)(年)(龄)(47岁)(,智)(能)(手)(机)(普)(及)(率)(在)(30%左)(右)(的)(人)(群)(。
王)(坤)(也)(感)(慨)(,面)(对)(农)(民)(这)(个)(群)(体)(,城)(市)(里)(的)(风)(控)(模)(型)(几)(乎)(全)(部)(失)(效)(。
“风)(控)(模)(式)(,需)(要)(对)(人)(群)(分)(层)(。但)(农)(村)(太)(复)(杂)(了)(,同)(样)(是)(养)(猪)(的)(,技)(术)(好)(坏)(,收)(入)(高)(低)(全)(是)(个)(性)(化)(的)(,根)(本)(没)(办)(法)(分)(层)(”,王)(坤)(称)(。
风)(控)(太)(难)(,所)(以)(业)(内)(才)(会)(盛)(传)(一)(个)(“数)(猪)(”的)(段)(子)(。
一)(家)(金)(融)(平)(台)(给)(农)(民)(放)(款)(,就)(去)(猪)(圈)(数)(猪)(。一)(头)(授)(信)(一)(万)(。结)(果)(农)(民)(就)(去)(亲)(戚)(四)(邻)(家)(“借)(猪)(”,分)(分)(钟)(破)(了)(风)(控)(。
“风)(控)(哪)(有)(那)(么)(简)(单)(,对)(于)(一)(个)(农)(户)(的)(审)(核)(,我)(们)(有)(上)(百)(个)(维)(度)(,”周)(建)(称)(。
农)(分)(期)(的)(风)(控)(逻)(辑)(是)(,给)(每)(一)(个)(农)(户)(,建)(立)(一)(个)(风)(控)(模)(型)(。
信)(贷)(员)(第)(一)(步)(,先)(去)(农)(村)(打)(听)(农)(户)(的)(口)(碑)(——在)(这)(个)(熟)(人)(社)(会)(中)(,很)(容)(易)(得)(知)(一)(个)(人)(是)(否)(靠)(谱)(。
然)(后)(再)(上)(门)(,了)(解)(农)(户)(整)(个)(生)(产)(状)(况)(,计)(算)(出)(他)(生)(产)(模)(型)(。
“听)(起)(来)(很)(玄)(乎)(,其)(实)(并)(不)(难)(”,周)(建)(举)(例)(称)(,比)(如)(一)(个)(农)(户)(有)(多)(少)(亩)(地)(,去)(亲)(自)(丈)(量)(一)(下)(,如)(果)(他)(种)(植)(的)(是)(水)(稻)(,根)(据)(当)(地)(的)(气)(候)(,一)(年)(几)(茬)(,产)(值)(量)(多)(少)(,基)(本)(都)(可)(以)(换)(算)(,农)(户)(一)(年)(的)(营)(收)(。
“其)(实)(和)(大)(家)(想)(的)(不)(一)(样)(的)(是)(,农)(村)(的)(风)(控)(反)(而)(并)(没)(有)(那)(么)(难)(,只)(要)(把)(握)(了)(主)(要)(逻)(辑)(”,周)(建)(称)(,绝)(大)(多)(数)(农)(民)(都)(会)(被)(两)(个)(“要)(素)(”捆)(绑)(:家)(庭)(和)(土)(地)(。
土)(地)(的)(产)(值)(稳)(定)(,家)(庭)(完)(整)(并)(和)(谐)(,这)(样)(的)(农)(户)(,基)(本)(呈)(现)(的)(就)(是)(一)(个)(良)(性)(而)(向)(上)(的)(模)(型)(。
核)(心)(逻)(辑)(虽)(然)(简)(单)(,但)(需)(要)(把)(控)(的)(细)(节)(并)(不)(少)(。
“申)(请)(过)(手)(机)(现)(金)(分)(期)(的)(一)(律)(不)(放)(;家)(庭)(不)(和)(谐)(者)(不)(放)(;村)(里)(口)(碑)(不)(好)(者)(不)(放)(”,周)(建)(称)(,需)(要)(对)(农)(村)(这)(个)(人)(情)(社)(会)(,去)(深)(刻)(理)(解)(,“农)(村)(里)(的)(大)(户)(之)(间)(往)(往)(喜)(欢)(‘揭)(短)(’,喜)(欢)(贬)(低)(对)(方)(来)(抬)(高)(自)(己)(,但)(凡)(有)(点)(不)(实)(,早)(给)(村)(民)(自)(己)(揭)(出)(来)(了)(。”
所)(有)(的)(风)(控)(,就)(是)(通)(过)(各)(种)(方)(式)(打)(破)(信)(息)(的)(不)(对)(称)(,去)(了)(解)(借)(款)(者)(是)(否)(有)(“还)(款)(意)(愿)(”和)(“还)(款)(能)(力)(”。
而)(在)(农)(村)(,这)(两)(项)(都)(极)(不)(稳)(定)(。
有)(些)(玩)(家)(的)(风)(控)(方)(式)(就)(是)(打)(造)(资)(金)(闭)(环)(。比)(如)(,帮)(农)(民)(买)(农)(机)(、买)(种)(子)(,甚)(至)(收)(了)(粮)(食)(自)(己)(卖)(,最)(后)(扣)(除)(利)(息)(和)(本)(金)(,再)(在)(把)(剩)(下)(的)(钱)(给)(农)(民)(。
“在)(整)(个)(生)(活)(环)(节)(中)(,根)(本)(不)(让)(农)(民)(碰)(到)(钱)(”,乐)(钱)(的)(CEO王)(炜)(称)(。
只)(做)(到)(这)(样)(,还)(远)(远)(不)(够)(——风)(控)(实)(际)(上)(是)(分)(为)(两)(部)(分)(,内)(控)(和)(外)(控)(。
内)(外)(勾)(结)(的)(骗)(贷)(,常)(常)(才)(是)(最)(致)(命)(的)(。在)(农)(村)(,大)(部)(分)(的)(金)(融)(平)(台)(,都)(采)(取)(业)(务)(提)(成)(“后)(置)(”来)(约)(束)(人)(性)(的)(恶)(。
山)(水)(普)(惠)(的)(机)(制)(是)(:“拉)(一)(个)(新)(客)(户)(提)(100元)(,坏)(账)(一)(个)(扣)(500元)(。”
农)(分)(期)(还)(会)(将)(前)(端)(信)(贷)(人)(员)(和)(审)(核)(人)(员)(完)(全)(分)(离)(——这)(样)(一)(来)(,作)(弊)(需)(要)(“打)(点)(”的)(环)(节)(过)(多)(,成)(本)(过)(高)(。
另)(外)(,农)(业)(有)(“看)(天)(吃)(饭)(”的)(特)(殊)(属)(性)(,因)(此)(,天)(灾)(人)(祸)(,是)(拓)(荒)(者)(们)(要)(闯)(的)(第)(二)(关)(。
2013年)(进)(入)(市)(场)(之)(后)(,农)(分)(期)(曾)(经)(走)(过)(一)(些)(弯)(路)(。
周)(建)(尝)(试)(从)(养)(殖)(业)(切)(入)(,却)(发)(现)(“水)(太)(深)(”。
“养)(殖)(业)(一)(遇)(到)(瘟)(疫)(,都)(是)(行)(业)(毁)(灭)(性)(的)(打)(击)(”,周)(建)(说)(,好)(几)(次)(,公)(司)(都)(到)(了)(濒)(临)(关)(门)(的)(险)(境)(。
而)(很)(多)(农)(产)(品)(的)(品)(类)(,价)(格)(波)(动)(较)(大)(,“农)(业)(的)(毛)(利)(本)(来)(就)(不)(高)(,金)(融)(平)(台)(可)(能)(一)(丁)(点)(的)(波)(动)(都)(承)(受)(不)(起)(”,周)(建)(称)(。
最)(终)(他)(选)(择)(了)(种)(植)(业)(,而)(且)(选)(中)(了)(水)(稻)(和)(小)(麦)(等)(粮)(食)(作)(物)(,尽)(管)(天)(灾)(难)(防)(,好)(在)(粮)(食)(有)(国)(家)(兜)(底)(,不)(至)(于)(卖)(不)(出)(去)(。
“农)(村)(金)(融)(的)(这)(个)(熟)(人)(体)(系)(中)(,骗)(贷)(很)(难)(,农)(村)(金)(融)(的)(坏)(账)(率)(,主)(要)(就)(集)(中)(在)(天)(灾)(人)(祸)(”,周)(建)(称)(,比)(如)(说)(去)(年)(安)(徽)(发)(大)(水)(,淹)(没)(了)(一)(些)(农)(田)(,导)(致)(农)(户)(还)(不)(上)(钱)(;农)(民)(疏)(于)(医)(疗)(保)(健)(,一)(般)(都)(会)(“病)(来)(如)(山)(倒)(”,或)(者)(家)(庭)(破)(裂)(,也)(会)(导)(致)(劳)(动)(力)(折)(损)(。
所)(以)(,催)(收)(在)(农)(村)(既)(没)(有)(市)(场)(,也)(没)(有)(效)(果)(。“定)(性)(为)(欺)(诈)(的)(坏)(账)(,直)(接)(走)(法)(律)(程)(序)(比)(摆)(花)(圈)(、放)(鞭)(炮)(来)(得)(实)(在)(”,王)(坤)(称)(。
“农)(村)(金)(融)(实)(在)(不)(好)(做)(,过)(五)(关)(斩)(六)(将)(,需)(要)(一)(道)(道)(槛)(往)(前)(冲)(,一)(个)(槛)(迈)(不)(过)(,就)(栽)(进)(去)(了)(”,某)(农)(村)(金)(融)(的)(负)(责)(人)(在)(一)(次)(峰)(会)(上)(“诉)(苦)(”,从)(业)(者)(们)(实)(在)(是)(感)(同)(身)(受)(。
04压)(抑)(的)(需)(求)(
农)(村)(金)(融)(很)(难)(,但)(市)(场)(需)(求)(也)(极)(大)(。
中)(国)(农)(村)(人)(口)(7亿)(,他)(们)(是)(最)(庞)(大)(的)(一)(个)(“零)(征)(信)(人)(群)(”——他)(们)(也)(有)(金)(融)(需)(求)(,需)(要)(金)(融)(体)(系)(的)(服)(务)(。
“农)(民)(只)(能)(压)(抑)(自)(己)(的)(生)(产)(需)(求)(”,周)(建)(发)(现)(,当)(农)(村)(金)(融)(进)(入)(之)(后)(,才)(开)(始)(引)(导)(农)(民)(释)(放)(生)(产)(需)(求)(——在)(劳)(动)(力)(可)(承)(受)(范)(围)(内)(,借)(贷)(承)(包)(更)(多)(的)(土)(地)(,或)(购)(买)(大)(型)(机)(械)(、大)(量)(农)(资)(以)(支)(持)(扩)(大)(生)(产)(规)(模)(。
农)(村)(金)(融)(正)(在)(唤)(醒)(这)(个)(需)(求)(,而)(这)(片)(市)(场)(,恐)(怕)(也)(不)(是)(一)(个)(寡)(头)(行)(业)(。
在)(农)(业)(领)(域)(,才)(真)(正)(的)(叫)(“隔)(行)(如)(隔)(山)(”。
种)(植)(土)(豆)(,和)(种)(植)(水)(稻)(者)(,两)(个)(品)(类)(的)(生)(产)(模)(型)(,就)(是)(天)(壤)(之)(别)(。
对)(于)(农)(村)(金)(融)(的)(平)(台)(来)(说)(,开)(发)(一)(个)(新)(的)(品)(类)(,需)(要)(派)(大)(量)(的)(人)(,田)(间)(地)(头)(地)(摸)(索)(专)(研)(一)(个)(生)(产)(周)(期)(,才)(算)(刚)(刚)(摸)(清)(门)(道)(。
“参)(考)(美)(国)(农)(村)(金)(融)(市)(场)(来)(看)(,最)(终)(将)(会)(形)(成)(三)(四)(家)(区)(域)(型)(巨)(头)(,1家)(全)(国)(性)(巨)(头)(;但)(结)(合)(中)(国)(农)(村)(实)(际)(发)(展)(情)(况)(,这)(个)(市)(场)(里)(最)(后)(完)(全)(可)(容)(纳)(30到)(50家)(玩)(家)(并)(存)(”,王)(坤)(称)(。
周)(建)(只)(针)(对)(粮)(食)(种)(植)(业)(初)(步)(计)(算)(了)(一)(下)(,中)(国)(未)(来)(可)(能)(形)(成)(的)(规)(模)(化)(经)(营)(的)(农)(业)(大)(户)(,起)(码)(有)(800万)(户)(,按)(照)(平)(均)(每)(户)(平)(均)(授)(信)(额)(度)(10万)(计)(算)(,就)(是)(8000亿)(。
“目)(前)(农)(分)(期)(每)(月)(新)(增)(撮)(合)(交)(易)(额)(度)(是)(接)(近)(3亿)(,累)(计)(授)(信)(近)(10亿)(,但)(与)(近)(万)(亿)(的)(市)(场)(空)(间)(相)(比)(,真)(的)(只)(是)(九)(牛)(一)(毛)(”,周)(建)(称)(。
这)(个)(市)(场)(足)(够)(大)(,金)(融)(需)(求)(远)(没)(有)(被)(满)(足)(,在)(开)(拓)(的)(初)(级)(阶)(段)(,远)(不)(到)(争)(食)(的)(地)(步)(。
在)(采)(访)(农)(村)(金)(融)(从)(业)(者)(们)(时)(,会)(明)(显)(发)(现)(他)(们)(的)(特)(质)(,“农)(村)(金)(融)(和)(其)(他)(互)(联)(网)(金)(融)(的)(从)(业)(者)(,有)(很)(多)(不)(一)(样)(的)(地)(方)(”,王)(坤)(说)(,这)(里)(只)(能)(慢)(工)(出)(细)(活)(,大)(家)(都)(比)(较)(“憨)(厚)(”。
而)(身)(在)(其)(中)(的)(玩)(家)(,都)(在)(反)(复)(强)(调)(一)(个)(问)(题)(:农)(村)(金)(融)(的)(利)(率)(。
“山)(水)(普)(惠)(旗)(下)(的)(农)(贷)(产)(品)(,年)(化)(利)(率)(在)(20%左)(右)(”,王)(坤)(说)(,他)(希)(望)(以)(后)(再)(把)(利)(率)(降)(一)(降)(。
“农)(分)(期)(的)(贷)(款)(年)(化)(利)(率)(在)(10%左)(右)(,”周)(建)(认)(为)(,农)(业)(毛)(利)(不)(高)(,农)(民)(实)(在)(承)(受)(不)(起)(太)(高)(的)(利)(率)(。
在)(农)(村)(深)(耕)(,恐)(怕)(真)(的)(没)(有)(一)(夜)(暴)(富)(的)(神)(话)(。
他)(们)(是)(互)(联)(网)(金)(融)(中)(一)(支)(特)(殊)(的)(分)(支)(——撸)(袖)(挽)(裤)(脚)(,深)(入)(田)(间)(地)(头)(。
这)(片)(蓝)(海)(的)(开)(掘)(者)(们)(,需)(要)(的)(是)(深)(耕)(、下)(沉)(、慢)(工)(、细)(活)(,而)(他)(们)(,反)(而)(更)(贴)(合)(了)(金)(融)(的)(本)(质)(。返)(回)(搜)(狐)(,查)(看)(更)(多)(
责)(任)(编)(辑)(:
)


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