Another important content - Overseas cash loan product form and risk control measures

In the near future , Tomato risk control has many children's shoes engaged in overseas cash loans to join our community , Everyone has a strong desire to learn about the risk control knowledge of overseas cash loans . In addition to this part of children's shoes , Some children's shoes engaged in credit in China , I am also very interested in this black box . For example, the domestic market is so voluminous , Is the overseas market still a blue ocean ？
Although it is said that many overseas loans are made at home , But the actual situation is still different from that in China . Today we will decrypt the black box for you .
One . Data source differences
The first is the difference between data sources . Different data sources can be used at home and abroad , There is a relatively complete payment system in China , The bank will also send people for us , Id card , Whether the mobile phone number is verified by the same person .
overseas , Compared with these, they are relatively deficient , But overseas regulation is relatively relaxed , There can be some data of the crawl class , This is also an overseas advantage , It is also the main gap in risk control at home and abroad .
Two . Policy differences
The impact of the policy on the credit industry is enormous , And often the deadliest , You can see from the domestic policies . Loose policy , Everyone can live well , In contrast, overseas cash loans are the same . Every country overseas has slightly different policies , Some countries have looser policies , Some countries are more cautious . Let's take a look at the comparison of credit admission time in different countries :
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Different admission time , The situation of development is naturally different , Now the policies of each country are different .

3、 ... and . Product differences

Policy differences , Differences in data , Naturally, credit products will be different . Look at overseas cash loan products , Most of them are products that were hot in China for a period of time many years ago , But now these products can not be seen in China .
Overseas cash loan products , Here are some examples :
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Four . Risk control ( Strategy ) The difference of
Sum up , Differences in the content of each series , Finally, risk control ( Strategy ) The difference of .
For example, in the quota management of the strategy , There is an adjustment content of the derating strategy . Overseas products , Because of the urgency of increasing or decreasing the quota , It will be higher than that in China . Moreover, overseas products have high costs due to customer acquisition and other reasons , A corresponding fast , Reasonable and relatively stable derating scheme . Credit product strategies vary from country to country , Basically the same . Of course, if you know something about domestic products , You can also be familiar with overseas products .
The content of these strategies just mentioned , It is also the core content of the whole credit . For the core content of this part , Tomato risk control has prepared a course on overseas cash loan products and risk control .
In addition to explaining the differences of products at home and abroad in the course , It will also analyze the form of overseas products and risk control strategies for you , It is not theoretical but practical .
Interested children's shoes can pay attention to -
《 Overseas cash loan product form and risk control measures 》：
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~ Original article