京东投资的 ZestFinance 是怎样一家公司?


腾讯科技今日消息,京东已投资美国互联网金融公司 ZestFinance,双方还宣布成立名为 JD-ZestFinanceGaia 的合资公司。腾讯科技援引线人消息称, ZestFinance 的信用模型将率先应用于京东金融的消费金融体系,不仅如此,京东还打算和行业伙伴共享这项技术,共同开拓国内信用消费市场。

ZestFinance 原名 ZestCash,2009 年 9 月成立于洛杉矶,创始人 Douglas Merrill 和 Shawn Budde 分别曾是谷歌(Google)的前副总裁和 Capital One的前信贷部高级主管。2013 年 7 月,ZestFinance 获 Peter Thiel 领投的2000万美元 C 轮融资,至此,该公司总融资额达 1.12 亿美元。

ZestFinance 主要面向两类人群,一类是( FICO 评分接近或低于 500)无法获得基本的信贷需求的人群,解决他们的无信用评分借贷问题,另一类是信用分数不高而借贷成本高的人群,利用大数据征信降低他们的信贷成本。

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ZestFinance 的核心竞争力在于数据挖掘能力和模型开发能力。在其模型中,往往要用到 3500 个数据项,从中提取 70,000 个变量,利用 10 个预测分析模型,如欺诈模型、身份验证模型、预付能力模型、还款能力模型、还款意愿模型以及稳定性模型,进行集成学习或者多角度学习,并得到最终的消费者信用评分。

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ZestFinance 的评分模型更新并细化的速度很快,从2012年至今,差不多每一个季度就会新推出一个新的信用评估模型。最早,ZestFinance 只有信贷审批评分模型,目前已经开发出八类信用评估模型,包括市场营销、助学贷款收债、法律收债、次级汽车抵押贷款等等,用于不同信用风险评估服务。

ZestFinance 体量不大,目前仅为 10 万美国人提供了服务,影响力有限,实际效果很难下定论。值得注意的是,据《清华金融评论》称, ZestFinance 进行信用评估时,传统征信数据要占到至少 30% 。清晰的用户定位,完善的征信体系支撑,是 ZestFinance 在美国生存的土壤。中国没有集中的征信所,仅有 20% 的公民持有信用卡,金融体系也尚不完善。对初入华的 ZestFinance 来说,“机遇与挑战并存”这句老话可以描述现在的局面。

原创文章,作者:胡卷卷

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      除了两位女王,《比利·林恩的中场战事》男星乔·阿尔文饰演的伊丽莎白一世大臣莱切斯特伯爵罗伯特·达德利和杰克·劳登饰演的玛丽女王的第二个丈夫及堂弟达恩利勋爵亨利·斯图尔特也在预告片中亮相。
      本片由乔西·洛克担任导演,剧本由鲍尔·威利蒙编写。蒂姆·贝文、埃里克·菲尔纳和Debra Hayward担任联合制片人,三人联合制片的《悲惨世界》曾获奥斯卡最佳影片提名。《玛丽女王》将于12月7日北美上映。

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  在这部《精灵旅社3:疯狂假期》中,更令人意想不到的是,“千年光棍”德古拉将在游轮上遇到他生命中最重要的人,展开一段新的感情,但同时,他也会遇到敌人,令整个游轮上的怪物伙伴都陷入危机,危难时刻只有全家齐心协力才能共渡难关。这次,电影加入了更多的音乐元素,让人类女婿乔纳森更可以发挥打碟专长,跟着音乐的节拍群怪乱舞好不热闹。
 
  国外媒体评论这部电影“保持了系列的水准,并加入适合的新元素,让人尽享合家欢乐”,“作为一部续作,它可以说是非常棒的,毫无期待落空之感”。

   编辑:hello王小羊

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