基于场景视角的互联网金融资产端创新

发布时间：2018-06-26 17:36

  本文选题：互联网金融 + 场景化　； 参考：《新金融》2017年02期

【摘要】：资产端是互联网金融业务的重中之重,是平台实现业务创新、满足客户多样化金融服务需求的基础。资产端的竞争是互联网金融行业竞争的核心和关键,收益稳定、风险可控、信息披露完备且流动性较好的优质资产,是互联网金融业务持续快速发展的保证。在如今社会整体资产质量走低、监管不断深化的大背景下,互联网金融资产端业务面临着更大的挑战。探寻与生活及生产场景紧密结合是互联网金融转型的重要方向。本文从互联网金融场景化的视角,分析了互联网金融资产端的发展趋势、模式创新、未来的难点和挑战,总结了互联网金融场景化的关键要素,并提出互联网金融行业的应对策略。
[Abstract]:Asset end is the most important part of Internet financial business, which is the basis of platform to realize business innovation and to meet the needs of diversified financial services of customers. The competition of assets is the core and key of the competition in the Internet finance industry. It is the guarantee of the sustained and rapid development of the Internet financial business, such as stable income, controllable risk, complete information disclosure and good liquidity. Under the background of low asset quality and deepening supervision, Internet financial asset-end business is facing more challenges. Exploring closely with life and production scene is an important direction of Internet financial transformation. This paper analyzes the development trend, mode innovation, future difficulties and challenges of Internet financial assets from the perspective of Internet finance scene, and summarizes the key elements of Internet finance scenarialization. And put forward the Internet financial industry to deal with the strategy.
【作者单位】： 交通银行互联网金融业务中心;
【分类号】：F724.6;F832
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本文编号：2070840