On September 23, it was reported that at the 2022 JD Supply Chain Financial Technology Summit held recently, JD Science and Technology released the "panorama of credit science and technology solutions" for the first time. Based on the in-depth understanding of the credit business model under the new regulatory environment, as well as the accumulation and practice of enterprise credit services over the years, JD Science and Technology provided effective support for the construction of the intelligent risk control system of financial institutions and the financing of small, medium-sized and micro enterprises.
9月23日，在近日举行的2022年京东供应链金融科技峰会上，京东科技首次发布“征信技术解决方法全景图”基于对新监管环境下信用调查运行模式的深入了解，以及多年来公司信用调查服务的积累和实践，为金融企业智能风险控制体系建设和中小企业融资提供有效帮助。
Sun Lv, the solution director of the credit science and technology department of JD Technology Financial Technology Group, said: "Credit science and technology should adhere to compliance first, and help the steady development of supply chain finance in compliance and safety."
京东科技金融科技集团征信科技部解决方案负责人孙略表示：“信用调查技术应坚持合规第一，合规安全地帮助供应链金融的稳步发展。”
It is understood that JD Technology, through continuous learning and in-depth understanding of JD's ecological internal supply chain business, enhances its ability to process and judge transaction data, commodity life cycle data, logistics data, warehouse data and other scenario data, while constantly introducing various external data, and through cross validation, builds a credit evaluation model based on machine learning and AI algorithm and other technologies, Finally, comprehensive and accurate assessment of customer credit risk will be realized. At present, JD Enterprise Credit has cooperated with more than 30 data suppliers, covering the industrial and commercial, judicial, tax and other data of 210 million enterprises nationwide, and the full amount of data is updated in real time.
据了解，京东科技根据京东生态内部供应链业务不断学习和深入了解，提高交易数据、商品生命周期数据、物流数据、仓库数据等场景数据处理能力和判断，不断引入各种外部数据，通过交叉验证，基于机器学习和AI算法等技术构建信用评级模型，实现客户信用风险的综合准确评价。目前，京东信用调查与30多家数据供应商合作，覆盖2.1亿家工商、司法、税务等数据，全数据实时更新。
From the perspective of the risk control framework, the general risk strategy and business customization strategy established by JD Technology, combined with the interconnection of various types of data of individuals and enterprises, can support the rapid docking of scenarios and high-frequency iteration of risk strategies. Finally, the results predicted by data marts, intelligent decisions and anti fraud strategies will be exported to financial institutions through JD's Blue Whale Enterprise Credit Reference License and Park Road's Personal Credit Reference License, providing a precondition for asset standardization.
从风险控制框架的角度来看，京东科技建立的风险通用策略和业务定制策略，结合个人和公司各种数据的数据共享，可以支持场景的快速对接和风险策略的高频迭代。最后，通过数据市场、智能决策、反欺诈策略预测结果，通过京东蓝鲸公司信用许可证和简道信用个人信用许可证，为资产标准化提供前提保障。
The data shows that through the cooperation with JD Technology, the average credit line of a large state-owned bank in the business of serving small and micro enterprises reached 51200, the maximum amount of automatic approval was 500000, and the average household balance was 40000 to 50000. Among them, the average pass rate is 25%, and the average execution pricing is 18%. In recent two years, the 30+overdue rate is 1.73%, and the 90+overdue rate is 0.76% on average.
数据显示，通过与京东科技的合作，某大型国有银行服务小微企业的平均户均信用额度达到5.12万，自动审计额度最高为50万，户均余额为4-5万。其中，平均通过率为25%，平均执行价为18%。近年来，30逾期率为1.73%，90%逾期率为0.76%。