Amid explosive microcredit growth in China, Experian and Alibaba partner Shenzhourong is the first big-data-based credit risk management SaaS, offering consumer finance players affordable services.
Why
Infrastructure lacking
China is crowded with microfinance institutions, many lacking sound risk management and credit assessment systems.
Costly risk management systems
Developing and running such an in-house system requires costly investment that many microlenders can’t afford.
Era of big data
Online behavior tracking and shopping data are now available to support creditworthiness evaluation.
Market
RMB 1 trillion
Forecast value of China’s internet consumer loans in 2022, versus RMB 140 billion currently. Data players have achieved only 20% market penetration, versus 70–80% in the USA.
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