小赢催收被称为“信用充电宝”,小赢卡贷投诉及时反馈有保障

小赢催收被称为“信用充电宝”，小赢卡贷投诉及时反馈有保障

小赢大数据驱动下的创新产品小赢卡贷

Innovative products driven by small win big data

小赢卡贷是为帮助年轻人维护信用而生产的小额借贷产品。它可以推出年轻人需要的借贷产品，及时缓解用户的还款压力，被称为“信用充电宝”。

Small win card loan is a kind of small loan product produced to help young people maintain their credit. It can launch lending products that young people need and relieve the repayment pressure of users in time. It is called "credit power bank".

小赢卡贷应用人脸识别、智能身份识别系统，后台对接银行系统进行绑定，只需要145秒就能走完线上申请流程。上线还不到两年时间，小赢卡贷就已成为中国信用卡代偿行业的领跑者，截至2017年12月底，用户已突破1000万，累计放款额超过128亿元。

Small win card loan application face recognition, intelligent identity recognition system, background docking banking system binding, only need 145 seconds to go through the online application process. Less than two years after its launch, Xiaoying card loan has become the leader in China's credit card compensation industry. By the end of December 2017, the number of users has exceeded 10 million, and the accumulated amount of loans has exceeded 12.8 billion yuan.

小赢卡贷成功的秘诀有以下三个方面

The secret of small win card loan success has the following three aspects

（1）多元化业务布局助力小赢科技高速成长。解决产品结构单一，在资金端和资产端布局多种产品；从用户价值角度而言，满足了用户多样化、多层次的金融需求，充分体现了互联网金融打破标准金融产品形态的特性。受益于资产端与资金端的打通，小赢卡贷的资金渠道更加灵活、多元。而产品结构的多元化也使得用户的综合价值“水涨船高”。

Diversified business layout promotes the rapid growth of Xiaoying technology. From the perspective of user value, it meets the diversified and multi-level financial needs of users, and fully reflects the characteristics of Internet Finance breaking the standard financial product form. Benefited from the opening of asset side and capital end, the fund channel of small win card loan is more flexible and diversified. And the diversification of product structure also makes the comprehensive value of users rise.

（2）从资金端到资产端与众安保险的多环节合作。小赢科技创建了WinSAFE智赢风控体系，与众安保险进行了风控流程与数据管理的无缝对接，双方联合进行风控审核，并由众安保险提供针对借款人逾期未还款风险的信用保证保险。

From the capital side to the asset side, we have cooperated with Zhongan insurance in many links. Xiaoying technology has created the winsafe smart win risk control system, which has seamlessly connected the risk control process and data management with Zhong'an insurance. Both parties jointly conduct risk control audit, and Zhongan insurance provides credit guarantee insurance against the risk of overdue repayment of borrowers.

（3）风控严密性与创新业务灵活性相结合。小赢卡贷致力于让每个用户不会因为资金不足而错过每一次珍贵的生命体验，不断提升的用户体验和严密的风控系统以及不断完善创新的业务布局使其形成了自身的业务优势。小赢卡贷之所以在风控方面具有核心竞争力，主要是因为其具有类似银行卡中心的金融机构级别的风控系统和大数据模型保险，该模型涵盖了电商、社交、网络行为等各种类型的数据。

The combination of risk control tightness and innovative business flexibility. Small win card loan is committed to make every user not miss every precious life experience because of lack of funds. The continuous improvement of user experience, strict risk control system and continuous improvement of innovative business layout have formed its own business advantages. The core competitiveness of small win card loan in risk control is mainly due to its risk control system at the level of financial institutions similar to bank card center and big data model insurance, which covers various types of data such as e-commerce, social networking and network behavior.

本文来源：https://www.2haoxitong.net/k/doc/5d320aa30708763231126edb6f1aff00bed570a3.html