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Abstract

In 2015, Ant Financial’s MYbank (an off-shoot of Jack Ma’s Alibaba company) was looking to extend services to rural areas in China through its Flourishing Farmer Loan program. MYbank relied on the internet to communicate with loan applicants and judge their credit worthiness. Initial tests of the program had proved promising, but could MYbank operate the program at scale? Would its big data and technical analysis provide an accurate measure of credit risk for loans to small customers? Could MYbank rely on its new credit-scoring system to reduce operating costs to make the program sustainable?

 

 

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Sponsors

The Yale School of Management’s work on this Global Network case study has been made possible by the generous support of:

The Brad Huang '90 Fund for Innovation in Case Studies

project editors

Jean RosenthalProject Editor, Case Study Research and Development, Yale School of Management
Jingyue XuAssociate Professor, School of Business, Renmin University of China
Xia Zhang Ph.D. School of Business, Renmin University of China
Yuanfang Song Vice Dean of Graduate School, Renmin University of China
Xiaoxi Liu Ph.D. Candidate, Guanghua School of Business, Peking University
Jaan EliasDirector of Case Research, Yale School of Management

Case supervision

K. SudhirJames L. Frank ’32 Professor of Private Enterprise and Management, Professor of Marketing & Director of the China India Insights Program
Hua Song Vice Dean, School of Business, Renmin University of China

Video production and editing

Nicolas BockVideo Camera, Sound, and Editing
Greg MacDonaldMultimedia Producer, Case Research and Development, Yale School of Management

video interviewers

Jingyue XuAssociate Professor, School of Business, Renmin University of China
Yan Li Professor, School of Business, Renmin University of China
Jianying Wang Associate Professor, School of Business, Renmin University of China

Translation Support

Fan Xu Translator, School of Business, Renmin University of China
Huiling Ke Translator, School of Business, Renmin University of China

Additional Research and Translation Support

Xiaowei (Daniel) Feng, Xiao (Ruby) Hu, Jiao (Joy) Ma, Robert Bin YangMaster of Advanced Management Candidates – Class of 2017, Yale School of Management

Additional Source Material - Yale SOM 2011 Case Study

Yi Guo, Yao Jing, Charles Liu, Michelle WangYale School of Management Class of 2011 and 2012
Jaan Elias
Zhiwu ChenProfessor of Finance, Yale School of Management