I. Trends of the Real Estate Appraisal Industry in the Intelligent Times
In the next 30 years, with the rapid development of artificial intelligence and big data technologies, big data will become production materials, computing will become productivity, the Internet will become a kind of production relationship, and humanity will enter the intelligent generation. As Ma Yun said, the Internet will become the Internet for all in the next 30 years. If we say that in the past 20 years, the Internet has grown from scratch, then in the next 30 years, the Internet will be “from being to nothing.†This “nothing†is everywhere. “Nothing†can exist without leaving the network. The era of intelligence is remarkable. The feature is that you can use intelligent machine and data correlation to solve problems, not just depend on causality.
The development of artificial intelligence such as deep learning based on big data technology, especially the success of Google Alphago, has made people more aware that artificial intelligence and big data technology can break through the limit of human cognitive ability. In the "Internet +" environment, smart assessment will become the direction of development of the real estate appraisal industry. Wisdom assessment is based on big data processing technology. Using software systems to better integrate people and equipment, the system continues to improve the level of intelligence, and people and equipment can play their respective advantages to achieve the best system state. Through man-machine integration, the use of big data and artificial intelligence technologies provide manual decision-making for manpower, making manual decisions more reasonable. The wisdom evaluation based on artificial intelligence technology and big data technology will have great advantages in terms of efficiency and cost, and will fundamentally change the business prison in real estate valuation industry. The intelligentization of real estate appraisal industry needs to have two basics: First, business dataization and data quality assurance. Real estate appraisal, with the support of big data technology, can realize the dataization of all business operations, and it can perform real-time analysis on each business operation link. If the real estate appraisal business is offline, or the system cannot collect data accurately and timely, even if the data volume is large enough, due to the lack of key data or inaccurate data, it will bring great difficulties to the big data processing of real estate appraisal. . The sources of the Real Estate Appraisal Consultation Database mainly include various data released by government departments and various related professional organizations, assessment reports of real estate appraisal agencies, and data obtained from related websites. The real estate appraisal industry is a typical data-intensive industry. Through long-term operations, various real estate appraisal agencies have gradually accumulated massive user data. These appraisal data constitute a huge structural data resource. From the perspective of real estate appraisal, the ideal state of big data is the full record of the organization's actions, and the process of discovering the laws from these records. It is a big data processing technology, including a series of technologies such as data collection, transmission, storage, and display.
In the process of real estate appraisal business, the application of big data needs to consider at least two dimensions, namely the real-time dimension (big data analysis is second-level or offline) and the coherency dimension (whether it is required to use one-percent cost). When the real estate appraisal agency is doing evaluation of data systems or applying big data, it needs to consider what exactly the assessment business scenario is used, plus the dimension of data volume. After determining these dimensions, from the ETL (data warehouse technology) transmission, to storage, including computing, the technology is relatively mature, so that you can choose the right technology. The real estate appraisal industry needs to make full use of big data technology to strengthen the depth, breadth, and efficiency of customer service to serve the real economy. Artificial intelligence and big data technology have become important aspects of the real estate appraisal industry to identify market positioning, tap new business growth points, realize strategic transformation, and build core competitiveness. To a large extent, it can determine the future development of the real estate appraisal industry. The wisdom evaluation system starts with data, and the application of artificial intelligence and big data technology runs through it, and it uses data as a cyclical ascent process. The real estate appraisal agency can gradually construct a smart assessment system based on artificial intelligence and big data technology based on reliable data sources and cloud computing processing technologies.
Second, the problems of the real estate appraisal agency in the intelligent era.
(―)Information is blocked, limited creative thinking
On the whole, in the current business of real estate appraisal agencies, the traditional assessment services such as bank financial mortgage assessment, tax assessment, and collection assessment account for a large proportion. However, with the adjustment of national policies and changes in the real estate market, the traditional real estate valuation business continues to shrink. For example, with the joint formulation of stock valuation systems by land tax and price systems, tax assessment services have shrunk dramatically; financial and collection assessment services have also gradually decreased with the adjustment of national policies. Once the traditional valuation business "weaning", many real estate valuation agencies caught off guard.
(II) Low-level operation in business practice
At present, there is a great deal of contradiction and conflict between the industry's social and market characteristics of the industry's fragmentation management and value assessment industry, which affects the fairness of the competition of the real estate appraisal agency, and also affects the quality and efficiency of the real estate appraisal work, resulting in real estate. Valuation services still rely on the operation of relational marketing, and new marketing methods such as “brand marketing†cannot be fully implemented. In addition, since the application of information technology is still at a preliminary stage, the communication, information sharing, and penetration of the real estate appraisal industry and other related industries are not ideal.
(III) The Cobalt Research on Real Estate Appraisal is not enough
At present, most of the real estate appraisal projects are “do me†under the requirements of national regulations or policies. Moreover, many real estate appraisal agencies often only consider the profitability and complete the appraisal business in the shortest time, without going deep into real estate research. The application of new methods of valuation, new technologies, new methods, and artificial intelligence techniques, or because of the low fees, is something that has to be dealt with.Some real estate appraisal agencies even push back with the "assessment value" determined by the commissioner, driven by economic interests. The real estate appraisal process has seriously affected the reputation of the real estate appraisal agency and increased the difficulty of applying artificial intelligence technology in real estate appraisal business.
III. Innovation of Real Estate Appraising Agency in Intelligent Times
In recent years, almost the entire world has been filled with fears of the new technology era, fearing that machines will take away jobs, fearing that machines will control humans, and worrying that humans will be destroyed in their greatest inventions. 200 years ago, when the steam engine appeared, people worried that the steam opportunity would replace our work; more than 100 years ago, when electricity appeared, people feared that electricity would take away a lot of work. After the emergence of the container, the porters were worried that they would lose their jobs, but there were many workers in the port; the Internet had impacted the circulation of the newspapers, but the person who delivered the newspapers had changed to send parcels 'China has more than 3 million couriers. .
The invention of new technologies is not to make people unemployed, but to make people do more valuable things. People do not repeat themselves, but instead innovate and create, people's work can be further evolved, and the role of people can be met. For real estate appraisers, it is better to be willing to take responsibility than to worry about and worry about the situation. Instead of worrying about technology taking away employment, it is better to embrace artificial intelligence to solve new problems in the era of the brain. Intelligent machines will make real estate appraisers' jobs more dignified, more valuable and more creative. In the past 30 years, we have turned people into machines; over the next 30 years we will turn machines into people, but in the end we should make machines more like machines and people more like people. The trend of artificial intelligence technology is irresistible, but intelligent machines do not have souls and beliefs. Real estate appraisers have souls, beliefs, values, and unique creativity. Therefore, in the face of the impact of artificial intelligence, real estate appraisers must have confidence that we can control intelligent machines.
Humans know less than 10% of their brains, and the 10% of machines designed cannot surpass humans. With the continuous advancement of artificial intelligence technology and the innovative development of mobile terminals, real estate appraisers may be able to quickly complete real estate appraisal work on site or remotely with their lightweight ipad in the future, and the work of real estate appraisers will also be very pleasant. As Apple CEO Cook said: "I don't worry about machines thinking like people. On the contrary, I'm more worried that people think like machines. Therefore, we must inject technology into people. Technology itself is not good or bad. Nothing is required. Therefore, it is our common responsibility to make science and technology more human.†In the era of intelligence, real estate appraisers should take great responsibility from the times. The times gave real estate appraisers technical capabilities. Only by continuously learning information technologies such as big data, cloud computing, artificial intelligence, and the Internet of Things, can they constantly create new assessment techniques and means to adapt to this era. Real estate appraisers should rely on innovation to win the market, rely on technology to win profits, and rely on the spirit of responsibility, sharing, and general welfare to win social respect. Only in this way can we lead the times. Innovation is the foundation of the real estate appraisal industry and the source of development
If the real estate appraisal agency does not pay attention to R&D of new business, it will inevitably be eliminated in the fierce market competition. Whether or not innovation can be achieved depends mainly on whether the real estate appraisal agency has established a R&D department and whether the new business R&D work is effective. The R&D work should focus on the application of new technologies, new methods and new methods such as artificial intelligence, big data, cloud computing, and internet of things in real estate appraisal, optimize work processes, increase work efficiency, and reduce business costs. In order to promote the application of artificial intelligence and big data technology in real estate appraisal, real estate appraisal agencies need to introduce high-end computer technology, information technology, artificial intelligence technology and other professional personnel, and quickly build relevant departments. At the same time, it is necessary to build an information management platform for real estate appraisal, improve the data information base and information management systems, such as project information archiving, customer information management, and information collection channels, to provide timely and complete information support for the application of artificial intelligence and big data technology. At the same time, advance the sharing of big data in the real estate appraisal field, open up the horizontal sharing channels of real estate appraisal information, promote the sharing of information resources and business collaboration, and form a big data warehouse in the real estate appraisal field. At present, the information network among real estate appraisal agencies is self-contained and separated from each other, making it difficult to realize sharing and sharing. To achieve this, it is necessary to use the big data platform to integrate and strengthen the information network system to 'acquire, exchange and use digital information in real time, and actively promote the intelligent operation of real estate valuation services.
In the future, the country will vigorously develop artificial intelligence technology, build a nationally integrated big data center, promote technology integration, business integration, and data fusion to achieve cross-level, cross-regional, cross-system, cross-department, cross-service collaboration management and services. As for the national big data strategy, real estate appraisal agencies should actively respond to the national call, expand their ideas, and adapt to the needs of new business development, and create a new situation in the real estate appraisal industry. Real estate appraisal agencies and real estate appraisers should jointly embrace artificial intelligence technologies, share the achievements of artificial intelligence technologies, and enter a new era of sharing, universal benefits, and green. Do not be afraid that technology will impact our yesterday’s vested interests and our customary thinking. Only in this way, the real estate appraisal industry will continue to develop.
Artificial intelligence debt collection technology allows you to pay back
When it comes to debt payment, we first thought is probably Hong Kong movie was splashed paint, and then is treated by a group of muscular violence in recent years, the most popular are threatening telephone messages, "die you call" and so on; mention The "professional debt collector" who pays debts on behalf of people may present a chilling image in many people's minds.
"Call you to death" software harassed creditors, a group of muscular men went to the door to carry out insults and intimidation, sent extreme measures such as wreaths, droppings of feces, used extremes, and even used violence...
â–² Image Source: Photographic Network
However, the good news is that with the development of financial technology, professional debt collectors may gradually become history. A new means of debt collection - Artificial Intelligence came into being.
Every time Xiao Bian (micro-signal: nbdnews) notices that the use of artificial intelligence can make the difficult task of debt collection be replaced with a "gentle" face:
According to foreign media reports, artificial intelligence can analyze texts to find the most appropriate dialogue with creditors; it can also find the location of creditors through analysis, or contact creditors’ friends and relatives, so that good face creditors can know what to expect...
Artificial intelligence becomes a new technology for debt collection
According to the British Financial Times, new technologies such as artificial intelligence are being used by some of China’s debt collection.
According to data from the online loan home, as of the end of May, the outstanding debt balance of the P2P platform reached 1.3 trillion yuan. At the same time, the number of breaches has continued to rise. This prompted some platforms to think of trying new technologies to collect overdue loans.
Said Sheng Jieyu, chief executive officer of debt collection group Ziyitong, who once held management positions such as Citigroup.
"Many people use a lot of P2P loans. This has become an opportunity for start-ups with advanced technology to enter this market."
Since its establishment in 2016, the total amount of debt that ETS seeks to collect has reached RMB 150 billion. Sheng Jie said that the company recently launched an artificial intelligence platform to help about 800 lending institutions or third-party debt collection agencies to collect overdue loans.
â–² Image Source: Vision China
Artificial intelligence systems can search for information on borrowers and their friends on the Internet, and then make telephone contact with borrowers through dialogue robots. The content of the conversation will be recorded and analyzed using algorithms. The algorithm will then find out the words that are most likely to force the other party to repay the loan. The system will also call the borrower’s friends and ask them to remind the borrower to step up repayments.
Sheng Jieyi said that in May this year, for large customers, the artificial intelligence system’s clearing rate for loans owed for one week was 41%, compared with only 20 for traditional loans. %about.
Another debt collection start-up, Tesco, launched a mobile app that allows collection agents to search thousands of individual debt records and select cases, simplifying the connection between lenders and collectors. The company can also provide information on the location of some borrowers and help the collectors find their whereabouts.
Unified professional debt collectors wander the edge of the law
Why is artificial intelligence replacing traditional third-party debt collection agencies? In addition to the savings in manpower costs, traditional collection agencies are often in the grey space on the edge of the law.
The frequent occurrence of debt disputes has given birth to a gray river that is not completely recognized by the law - third-party collection agencies and professional debt collectors. The commission for helping people to collect debts is generally determined based on the degree of difficulty and the amount of money involved in the operation of the case. Generally between 10% and 20%, up to 50%.
According to Dahe.com, only in Zhengzhou, there are more than 200 companies that carry out the “debt settlement†business in Mingli District. Many companies are hiding in large office buildings, and the debt collection team formed by private individuals is innumerable. Zhengzhou even has a collection agency to take over credit card debt recovery services of some joint-stock banks.
The senior "industry insider" K said a few debt collection methods that are now used in the debt collection circle: red painters have been eliminated on the door of the painter's home, they have used paper to fill the door, and the paper is full of complaints against the debtors; Every day, people are sent to debtor companies or homes to run, and the hard-running bubble makes the other party annoyed; it secretly gives the debtor a vehicle to install GPS positioning and other technical means to control their whereabouts.
â–² news report screenshot
According to reports by the Qingdao Morning Post, most debt collection companies will use the “man-to-man†approach: there are door-to-door wreaths, there are dumps in the door of the debtor, there are several people who directly send in the door, knock on the door for money, or sit at the door. Dry consumption. There are even companies that are suspected of violent behavior but generally do not hurt too much.
Then, compared with the traditional professional debt collectors, is the “legitimateness†of artificial debt fulfillment?
Liu Ying, a researcher at the Chongyang Institute of Finance at Renmin University, said in an interview with the Russian Satellite News Agency that the use of artificial intelligence for debt collection is still legal. Liu Ying said
"I think that there must be a legal border among them. The AI ​​collection system can perform debt collection and collection for the debtor at the mid-to-downstream level, and request repayments by sending e-mails, sending text messages, and making phone calls. But its information Collection should be legal, if it is through the integration of the government's publicly released data, establish its own internal database, or use the Internet company's own operating advantages to integrate the company's own accumulated Internet data, to find the borrower's contact information or assets, there is no problem.
In addition, the legitimacy of the collection method is also worthy of attention. Artificial intelligence collection can not limit or affect other people who have nothing to do with the debt. For example, some debt collection companies find the borrower’s friends by finding the phone numbers of their relatives and friends from the address book. Even someone who knows to send vicious sms, harassing or even insulting others, infringing on the right of personality and reputation of others, constitutes infringement, but it is suspected to be illegal.
There are also debt collection companies that use public or private debtors and business partners to inform the debtor of the default situation. Although this practice is not illegal, it will also constitute infringement if the information is inconsistent with the facts.
Therefore, strict legal intervention is required for the limits and boundaries of the collection through artificial intelligence. The application of technology also cannot cross the legal bottom line. The innovation of financial science and technology is inseparable from the supporting professional supervision system, and it needs relevant legislation as a guarantee. â€
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