Shulou(Shulou.com)06/03 Report--

In the new spring of 2020, the haze is shrouded. For Chinese, this is destined to be an extraordinary year. The outbreak of New Crown Pneumonia before the Spring Festival has had a great impact on all walks of life, including finance, especially consumer finance, which is an important industry involving the national economy and the people's livelihood.

How much impact will this epidemic have on the consumer finance industry?

_Looking ahead for some time, professionals believe that the impact of the epidemic on the consumer finance industry should be short-term; in the long run, the industry trend remains unchanged.

In the short term, affected by the overall economic downturn, the consumer finance industry will present a certain weak trend, and the consumer finance business in relevant scenarios will also be suppressed. However, just-in-demand consumption moves from offline to online, and online consumer finance is expected to grow accordingly, and the industry needs to be prepared for this short-term shift.

In the long run, the overall impact of the epidemic on the consumer finance industry is limited. After overcoming the epidemic, the industry is expected to quickly enter a recovery period in the second half of 2020. At the same time, it is expected that compliant consumer finance companies will continue to grow rapidly thanks to clearer regulatory measures and relatively abundant liquidity.

So does the epidemic have some positive factors for the consumer finance industry?

As two main components of consumer finance industry, collection and customer service agents belonging to labor-intensive industries face the most prominent problems. As a large number of small and medium-sized enterprises, services and other industries are affected, the debt repayment ability of these practitioners will become low. Due to traffic control in some areas, the convenience of repayment is also greatly affected, and some users take advantage of the epidemic situation to evade debts maliciously. All these factors may lead to an increase in the short-term non-performing rate of the industry, especially small and micro enterprises. Also affected by the epidemic situation, the post-loan management of financial institutions is not very optimistic.

However, there is a view that the country will still effectively guide the credit reporting industry in 2020, based on which the collection industry may usher in a recovery. In the aftermath of the epidemic, recognition and attention to financial institutions 'post-loan management capabilities will be strengthened, and financial institutions with closed-loop capabilities may recover faster. The whole social level, not only professional vertical supervision departments, but also public security, social and other pan-supervision groups, may have a brand-new understanding of collection industry and customer service industry, which is also conducive to the development of consumer finance industry. After the epidemic situation eases, the consumer finance industry may usher in relevant policies to stimulate consumption, and the financing environment will also improve.

(Source: Internet, Rice Technology)

As one of the new technology service providers dedicated to the application of AI intelligent voice scenarios in China, Tuimi Technology comprehensively uses data mining and artificial intelligence voice technology to evaluate the quality of non-performing assets by using big data model. On top of deep learning and cross-platform voice exchange engine architecture, it adopts intelligent voice interaction service, which has continuously provided professional precision marketing, intelligent customer service, repayment reminder and other services for more than 100 institutions in consumer finance, trust, inclusive finance and other fields. Greatly improve the operational efficiency of various call centers.

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