大数据技术下的小微金融服务与产品创新

发布时间：2018-03-14 19:27

本文选题：小微金融　切入点：大数据　出处：《武汉金融》2017年05期 　论文类型：期刊论文

【摘要】：小微企业融资难的根本原因在于商业银行与小微企业之间的信息不对称。商业银行难以了解小微企业的信用状况和真实经营情况,导致在开展小微金融服务时面临着各种业务拓展和风险防控的考验。随着移动互联网的迅速普及,利用大数据技术作为支撑,各家商业银行加快了小微金融的转型步伐,不断完善小微金融业务服务和产品体系。本文结合小微企业特点和大数据技术,从小微金融产品创新、服务创新和风险控制三个维度,提出了大数据技术下小微金融的转型提升策略。
[Abstract]:The fundamental reason for the difficulty in financing small and micro enterprises lies in the asymmetry of information between commercial banks and small and micro enterprises. It is difficult for commercial banks to understand the credit status of small and micro enterprises and the true business situation. With the rapid spread of the mobile Internet and the use of big data technology as a support, commercial banks have accelerated the pace of transformation of microfinance. This paper combines the characteristics of small and micro enterprises and big data technology, from three dimensions: product innovation, service innovation and risk control. Proposed big data technology under the small and micro finance transformation promotion strategy.
【作者单位】：清华大学经济管理学院博士后流动站;中国民生银行博士后工作站;
【分类号】：F832.2

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