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从当前金融科技企业的实践中,基于大数据的个人客户征信及风险评价模型,当前的金融科技企业已经实现在线上对个人客户进行授信。例如:点击微信钱包中的微粒贷按键,微信用户就能第一时间看到自身的可借款额度。而根据毕马威中国于2016年9月发布的《中国领先金融科技公司50》排名报告(下简称“Fintech50”报告),基于从第三方获取的交易、公检法、税务,以及企业主个人征信等公开和半公开信息,科技金融企
From the current practice of financial technology enterprises, based on big data personal customer credit and risk assessment model, the current financial technology companies have achieved online credit to individual customers. For example: Click WeChat wallet loan button, WeChat users will be able to see their own loans the first time. According to the ranking report of “China’s Leading Financial Technology Companies 50” released by KPMG China in September 2016 (hereinafter referred to as the “Fintech50”), based on the transactions obtained from third parties, the public security law, taxation and personal credit reporting by business owners, Public and semi-open information, science and technology financial enterprises