jiemianxinwenjizhe|gezhenwei

“yijiakuajingdianshangzhongxiaoqiyeruhekuaisuhuoderongzi？”

zheishikuajingdianshangxingyezuishouguanzhudehuatizhiyi，youqizaijinnianlaiquanqiujingjibuquedingxingjiaju、chuantongjinrongjigoudefengxianpianhaoqujindebeijingxia。

“kuajingdianshang”zhengchengweizhongguowaimaozengzhangdexinyinqing。kuajingdianshangjinchukouzongezhanhuowumaoyijinchukoudebizhong，yicong2015niande1%zengzhangdao2023niande5.7%。raner，zaikuajingdianshangzhengtiguimobuduankuodadebeihou，yinzangzhezhongduokuajingdianshangzhongxiaoqiyerongzinandekunjing。

kuajingdianshangshuyukuaisuzhouzhuandexingye，duizijindexuqiupincijiaogao。kuajingdianshangzhongxiaoqiyedehuikuanzhouqizhang，xianjinliuwendingfengxiangao，zhongxiaoqiyepubianyudaoguozijinduanquenanti，danqirongzitujingdanyi，yibanzhinengtongguofengxiantouzijigou、yinxing、yijiminjianjiedaijinrongjigouwanchengxianjinliuguodu，qiebushaoqiyeyinweishouxianyuqiyeguimo，rongzirongyishouzu。

yijiatigongzijinhejishujiejuefangandejinrongkejigongsifundparkfengboguojichangshihuangesilu，tacaiqushujuqudongderongzimoshi，tongguoduipingtaixiaoshoushuju、wuliuzhibiaodengshishishujujinxingfenxi，xingchengfengkongmoxing，congerkuaisujikehushenpidaikuan。zuixinshujuxianshi，fundparkfengboguojiyifuwuchaoguo17000jiashanghu，hejifangkuanjiejin40yimeijin。

jinri，fundparkfengboguojishouxizhixingguanjilianhechuangshirensunhuilai（anson suen）zaishenzhennanshanjieshoulejiemianxinwenjizhedecaifang。sunhuilaipilulegongsideyixiezuixinshuju，biaodaletaduishujudongchadekanfa，kuajingdianshangqiyedangqianderongzizhuangkuang，yijitantaochuantongjinrongjigouyujinrongkejipingtairuhehezuogongcundeng。

yixiaweizhuanfangneirong，kanfashiyousuobianji：

谈公司：基于客户授权数据进行风控，已放款超过 35 亿美金

q: qingnixianjieshaoyixiafundparkfengboguojizuixindefazhanqingkuang。

a: womenshiyijiachengliyu2016niandejinrongkejigongsi，zhuyaofuwuzhongxiaokuajingdianshangqiye，weitamentigongyizhanshirongzijiejuefangan。jiezhijinnian10yuedi，womenyigongfangkuanchaoguo35yimeijin，jinjinnianqian10geyue，jiuyou15yimeijin。zheiyekeyikanchudangxiazhongxiaokuajingdianshangrongzixuqiudewangsheng。

q：nimendezijinlaiyuanyounaxie？

a：youguojixingdetouziyinxing，yeyoushangxing。biru， 2022nian，womenyugaoshengyinxingyoulediyibi2.5yimeijindehezuo，ranhouqunianyijingzengjiadao5yimeijin；jinnianhuifengyoujilewomen2.5yimeijin，jiaqilaichunyinxingjiuyou7.5yimeijin，zheigeeduzaiyazhoulaijiangdoushifeichangtoubude。chuleyinxing，haiyouduichongjijin、gushoujijin、jiabandeng。

q：shifoukeyilijieweinimenzuodeshibenzhishangjiushifangdai？

a：womenchuletigongzijinjikehuzhiwai，yeshiyijiajiyushujudazaoshengtaidegongsi。womenluxuweikehutuichuzijiadeshujuchanpin，lirushichangdongcha，zheishijiyuwomendeshujufenxiertigongdezaixingye、pinlei、pingtai、wuliuyouhua、xuanpinxiangguanfangmiandedongcha。womenxiwangxiezhukehuyiwomendezijinzhichiheshujudongchajixuzhuanqian，zuoda、zuoqiang，zheiyangwomendefengxiangengdi。

q：nimenzhuyaodeyinglimoshishishoulixima？

a：lixihefuwufei。lixigenchanpinhekehuxianyoudezhuangkuangguagou，bingmeiyouyigedanyishoufeidechanpin。womenxianyoudeyixiechanpingenjingwaiyinxingdezhongxiaoqiyedechanpinjiagechabuduo。

q：nimenshiruheliyongaigongjuqufenxiqiyeshuju，congerxingchengnimenbijiaodujiadefengkongmoxing，zheigenengjutijiangyixiama？

a：womendedingweishiyijiashujugongsi。tongguokehudeshouquan，womenkeyinadaoyixiexiangguandeshangliu、wuliuhejinliushuju，womenchengzhiwei“sanliuheyi”，quanfangweiqulijiekehuguoquhexianzaideyunyingzhuangkuang，ranhouyupantajianglaideyunyingqingkuang，zheiyangwojiukeyishengchengfengkongmoxing，zhaodaoheshitamendezijinchanpin。suizhejiaoyidezengduo，womendeaimoxingyezaibuduandiedai、jinbu，shengchenglebijiaoqiangdadefengkongxitong，gengyouxiaolvdishenpikehudeedu。

q：qiyeweishenmeyuanyikaifangshujujinimenzuojinyibufenxi？bijingqizhongyouxieshujushejihexinyewu，shenzhishijimi，nimenxiyinqiyezuihexindediandaodizainali？

a：woshiwunianqianjiuzuoguokuajingdianshang，youyinian，womendeyewuzengzhanghenmeng，dangshiwojiuxiangbagongsizaituijinyibu，danbushimanmanpasheng，ershikuabutisheng，neigeshihouwomenjiukaishiyishidaoxuyaowaiburongzi。

shiwunianqianrongzi，shouxianxiangdaodedangranshiyinxing，womenzhaolesijiayinxing，dantamendoutingbumingbaiwomenzaizuoshenme。suoyiwotebienenglijiezijinlianluhehaodezijinchanpinduiyuqiye，tebieshichengzhangxingdekuajingdianshangqiyedezhongyaoxing。

womenxianzaiyounenglitigonggenglinghuo，gengtiejinkuajingdianshangxuqiuderongzichanpin，danyouyigeqiantishi，shouxianxuyaolijiekuajingdianshangqiyedeyewu，suoyiwomenxuyaotamendeshouquan，xuyaoshujudedatong。kehuyenenglijiewomenyongzheigeshujuchuncuishiweilelejietamendeyunyingzhuangkuang，congershixianyigekuaisulinghuodepidai。

谈客户：数据能力强的跨境企业赚钱更多，沿海的企业数据意识普遍更强

q：muqiandaduoshukuajingdianshangqiyederongzifangshishipianchuantonghaishihuigengjiaqingxiangnimenzheiyangdepingtai？

a：shichangqishiyizhizaijinbu，yizhizaibiandechengshu。womenzhishiqizhongyigetuidongzhe。xianzaihenduozhongxiaokuajingdianshangqiyehenrongyibuzhuodaobutongdeshengyijihui，duizijindexuqiu，chanpindepipeixing，tamendouhuizaishichanglimianmanmanlejie。suoyiwojuede（tamen）yijingcongyiqianchuncuiyiyinxingzuoweizhudaodechanpin，manmanqulejie、tansuogengduodeyixiepipeidejinrongkejichanpin，leisiwomenfengbo，tamendejieshouchengduhuiyuelaiyuegao。

q：fengbodekehuhuaxiangdazhishishenmeyangde？birushenzhendekuajingdianshangfazhanhenhao，shibushizainimenpingtaiyenengfanyingchulai？

a：womenyoupuhuoxingdekehu，yeyoujingpinxingdekehu，yeyouzijizuopinpaidekehu。xiangduilaijiang，yanhaichengshidekuajingdianshangqueshibizhongbijiaoda，dawanqudekehuzaiwomenzhenggepanzilimianzhanbichaoguo50%。kehuyiniandegmvcongjishiwanmeijindaoguoyimeijindedouyou（200wandao1000wanmeijinbijiaojizhong）。tamendezijinxuqiucongjiwanmeijindaojibaiwanmeijin，womenzheilidoukeyipipei。

q：muqiandaduoshukuajingdianshangqiyerongzi，qizijinyibanyongyunagehuanjie？

a：zhuyaoshicaigouhewuliuchucunnenglidedajian，touliuyeshitamenxiangduilaijiangtouzibijiaoduodeyifangmian。touliujiqudaoliuliangdetoufang，yeshiyingxiaocehua（marketing）。

q：zainikanlai，naxiepinleizuizhuanqian、huozhefeichangyouqianli？

a：qishimeigeleimudouyouzhuanqian、kuiqiande。danzhengtieryan，womenkandaodeqingkuangshi，neixiezhuandeduodekehu，doushishujunenglibijiaoqiangde。congwomenpingtaikan，yueyuanyizaishichanghuoyunyingshangtoufangziyuanzuoshujufenxideqiye，yuenengchijiuzhuanqian。yiqianzuoshengyikenenggengduoyikaozhijue，xianzaizeyaojiyudashuju。

q：neilushengfendeqiyegenyanhaiqiyexiangbi，shujuyishifangmianhuibuhuiyouquyuxingdechayi？

a：yanhaiqiyeduiyurongziqukaifangzijideyunyingshujuqueshibineiluqiyeyaokaifangyixie。yinweiyanhaidechuhaihuokuajingqiyebijiaorongyijiechudaoguojijinrongjigouheguojipingtai，zheixiejigouhepingtaiduiyushujudeyaoqiuxiangduijiaogao。zaizheigebeijingzhixia，yanhaiqiyeduiyurongziqukaifangzijideyunyingshujuqueshibineiluqiyeyaokaifangyixie。

谈未来：未来不会进行股权投资，金融科技平台和银行各有所长，可长期合作共存

q：nimenjiechulezheimeduoqiye，duizheigexingyefeichanglejie。ruguofaxianyijiabijiaohaodeqiye，chengzhangtebiekuai，nimenhuibuhuikaolvzuotouzifangmiandegongzuo？

a：zheishigefeichanghaodewenti。womenhenzihaodishuo，duiyukuajingdianshangzheigexingye，nayixieqiyezuodetebiehao，womenyouyidingdedongcha。womenhexindeyunyingmoshizhuyaoshitigongliudongzijin（working capital）、feiguquanzijin，rangqiyekuaisuchengzhang，dantamenbuxuyaoxishengzijideguquanquzengzhang。womenxiwangyizhiyifeiguquandemoshizuozheigeshiqing。buguo，youyixiejiaban、chuangtou、simuguquan（private equity）xiangrangwomenjieshaoyixieyouxiudechuhaiqiye，ruguowomenkehuyuanyidehua，womenyehuituijian。

q：nimentongguoshujudongcha，youxieshihoushenzhibiqiyehailejietaziji。

a：dui，henduozhongxiaoqiyeqishimeiyoupangdadetuanduizuocaiwuguanli。henduoshihou，kehuhuifankui，womendeshuchuweitamenshengxialeyixieshujuhecaiwutuanduidechengben。zheigeniandaizuodianshang，shujudongchabizhijuegengzhunque，yinweishujushishichangzuizhijiedeyigefankui。yuezaoquyongbaoshujudongchadeqiyejia、dianshangmaijia，jiuhuizoudegengkuai、gengqian。

q：zhongguokuajingdianshangzhengzaizouchucufangxingfazhan，yuelaiyuejingxihua，tebieyaozuopinpaichuhai，duiqiyedeyaoqiuyuelaiyuegao、yuelaiyuejuan，qiyedeshujunenglicaishijingzhenglisuozai。

a：jianglaizuokuajingdianshangkendingdoushijishuhuo，erzheixieqishidouyaojiyudashujudeshouji。yinxingzhisuoyiyuanyigenfengbohezuo，shiyinweitamenyelijiedaodianzihuazhongxiaoqiye，youqikuajingdianshang，jianglaihuigengjiayilaishujuzuoshangyepanduan。sheinengyongyougenglihaideshujufenxinengli——wulunshiai moxinghuozhedashujushangmiandefenxi——sheijiunengdongchaxingye、nengxuanzegengzhideyilaidezhongxiaoqiye。yinxingkandaozheigejihui，suoyiyuanyigenjinrongkejipingtaihezuo。

q：neixiedajigou、yinxing，tamenkandaozheigequshihou，shibushiyekeyizijizuo？yunimenxingchengjingzheng？

a：wojuedeshichanglimianchulepingenisiwohuozhiwai，qishiyekeyigongcun，gezifazhanzijidezhangchu。yinxingcunzaishiyouyuanyinde，tamenyoufeichanghaodeyunyingmoshi，nacunkuanyouzijidefengxianpianhao、youfengxianjiaquanzichan（risk-weighted asset）deyaoqiu。duiyudaqiye、lingshoukehudezhichi，yinxingyebanyanzhebutongdejiaose。danshiyizheiyidaidezhongxiaoqiyelaijiang，yinxinghennangenjuguoqudediyapinheshenjibaobiaozuoshenpi。

yinci，suiranzheixiejigoukandaoshujuzhudaodequshi，danwulunshizaitixilimianhuozheshipingtaishangmianzuoshangyetanpan，yinxinghuijuedegenxiangfengbozheileigongsihezuodetouzichanchubi（return on investment）bizijizuogenggao。tebieshizaijinrongkejifengkongzheifangmian，bingbushishuozhiyounishengcunhuowoshengcun，tamengenxinyidaidejinrongkejipingtaihezuokeyiyouzuidadechanchu、zuidadehexietongzuoyong（synergy），suoyiyinxingyeyuanyimanmanjiechuzheixiepingtai，liyonggefangdeziyuanzaibutongdifanghezuo，bushinizuoshenme，wofeiyaogennisipin。