MTL - The Growth of the Richest Man-Chapter 144 Big Data
In addition, there are other aspects of the crisis of trust, which also makes Zhang Yong feel a little tricky.
For example, in Renren Mall, there are cases where merchants swipe orders, and buyers help swipe orders. These fake transactions make it difficult for some really good products to stand out among the dazzling array of commodities, and those good commodities, in order to retain the market, have to spend a lot of money to brush orders to ensure the exposure of their products. This constitutes a vicious circle, in which the sales and product ratings of the products in Renren’s mall are gradually deviated from reality and no longer have a good reference value.
On the other hand, there are also some buyers who threaten to give bad reviews and ask sellers to give cash back. In order to eliminate these bad reviews, many sellers are forced to pay a higher price: even some bad reviews are created by competitors maliciously looking for someone to swipe them out, which cannot be solved by money at all. These bad reviews cannot be eliminated even with money. of! Even, as the treasure of the store in Renren Mall, the Hammer 2 mobile phone also has many bad reviews, and some bad reviews are still irrelevant, such as "this bad review from the seller has a color difference and the size is different It doesn't fit well, I can't wear it", or "The price is inflated, it is much more expensive than other stores" and so on, this is a mobile phone, not clothes, and it is only sold exclusively in Renren Mall, okay?
In addition to the crisis of trust in Renren Mall, there is also a crisis of trust in Renrendai.
Some students, after borrowing Renrendai in Renrendai, cannot repay the loan because of real difficulties. In this case, Zhang Yong will also give grace to the loan. In particularly difficult cases, it will not be completely free, but it can be recommended. They go to everyone to raise funds to solve practical problems. Zhang Yong doesn't think there are too many problems with these difficult people, as long as they are not bad debts.
But there are still some people who are deliberately malicious fraud, just want to make a profit from this hole, that hole, get the money, it is not impossible for them to return it, as long as the money is paid, they can be given a higher Amount, let them put up more money, if not give them greater benefits, let them repay? it's out of the question!
Especially after the social staff loan was opened, social staff borrowed money through the Renrendai platform. If the salary income is relatively high, the amount that can be obtained is often relatively high. However, adding people like them has a disadvantage, that is, if they are active in repayment, this situation is not bad, if they are not willing to repay, it will be difficult to get the money back. It is relatively easy to ask for debts from students, but it is even more difficult to ask for debts from these old people.
At present, the major products of Zhang Yong have their own risk control systems, as well as their own target group points and rating systems (although some products do not have points and rating systems on the surface, they are actually within the product operation and maintenance department. For their own target groups, there are also three, six, nine, etc. divisions). However, because the risk control systems of various products are now incompatible and data is not shared, although Zhang Yong's major companies are already very rich in big data, these big data are not much in practical application. use value.
The advantage of big data is that the data is very complete, and it can know all aspects of a person very well. The disadvantage is that the data is too complete.
Therefore, Zhang Yong was thinking, why not integrate these data to get the overall situation of each target customer of Yongchang Company?
The game "Romance of the Three Kingdoms 11" is still relatively popular in this era. The characters in the game have "five-dimensional" attributes: the higher the command, the higher the defense force of the troops and the ability to manage the city's public order; the higher the force, the higher the attack power of the troops , heads-up ability, and military training ability will be higher; intelligence, determines the success probability of using tactics; politics, determines the speed of civil war construction; charm, it is useful in attracting talents to defect. The higher the five-dimensional average attribute, the more useful the general will be. Of course, if the general has a high attribute in one aspect, it can also be used as a specialist, which is also very practical.
Then follow the example of "Romance of the Three Kingdoms 11", in this era before "Sesame Credit", pass big data in advance and launch Renren Credit!
It is also a five-dimensional, each dimension is 200 points, the full score is 1000 points!
The first dimension: identity. Identity traits mainly consider personal education, occupation, real-name consumption behavior, etc. The higher the education, the better the occupation, and the higher the Sesame Credit score if the real-name consumption is more. According to the data collection sources of Zhang Yong's companies, the old customers of the school network, the artists of Yongchang Film and Television Company, the anchors of Panda TV, the official apes, the employees of large stable enterprises, etc., can get high scores or even full scores; Yongchang Employees of other major companies under the group company and old customers of Renren can also get a higher initial score.
The second dimension: performance capacity. It mainly depends on personal movable and immovable property ~ www.novelbuddy.com ~ provident fund payment, etc. to judge whether you have a better ability to perform the contract. It is of course better to judge contract performance by salary income, but this data is not so easy to obtain. In Renren's wallet, people who have a house and a car with relatively high provident fund contributions will have a relatively high credit score. Those working people who can find out the public income of public servants or large enterprises, all employees of Yongchang Group, and the anchors of Panda TV can get high performance ability points; people who can roughly estimate their income level can also Get Xiao Gao's performance ability points.
The third dimension: history. The main thing is to measure your willingness and ability to keep promises, such as whether to repay everyone's loan on time, whether you often use shared bicycles and pay them back, etc. Using Renren's wallet to pay off credit cards can improve the score in the historical dimension. Maliciously giving bad reviews, or maliciously destroying shared bicycles, etc., will reduce the historical score.
The fourth dimension: connections. Frequent use of Renrentong, many friends; or frequent visits to Renren's blog, intranet, Renren, etc., with good and stable personal connections, or being a well-known anchor of Panda TV, can improve your credit score. After all, big Vs still have a lot of face, unlike those who register for trumpets, who can come and walk bare-bottomed. In terms of urban population, married people with children have an advantage in terms of connections. After all, such people have concerns. People with stable delivery addresses in Renren Mall also have advantages. After being in one place for a long time, they will always have feelings for one place.
Fifth dimension: behavior. Those who often do charity must be good people and can get high scores. People who travel frequently, watch movies frequently, buy a lot of Yu’e Bao, P2P wealth management, and Renren Fund can prove that they are relatively rich and potential customers, and they can also get higher scores.
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