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拍拍贷(NYSE:PPDF [1] )是一家金融科技公司 [1-2] ,2007年成立于上海 [1] ,并在2017年11月10日成功于美国纽交所上市 [1] 。截至2018年9月30日,拍拍贷累计注册用户数达到8300万人;累计借款用户数为1340万人;累计投资用户数为64.44万人,实现持续增长;复借率较去年同期提升了2.4%达到69.8% [3] 。 [1] [4-5]
作为中国互联网金融协会首批理事单位 [6] [7] ,拍拍贷将合法合规放在*位,遵从金融本质,以数据为基石,用创新技术为用户提供金融服务,并在金融科技和智慧金融领域持续投入,研发了依托集大数据、云计算和人工智能等科技为一体的“魔镜”大数据风控系统。拍拍贷还将大数据分析和以AI为核心的技术应用于信贷审核、风险控制、精准营销和智能客服等方面,努力践行“共益经济”的理念,助力中国普惠金融发展。 [8-9]

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