在线贷款业务模式及其风险监测

发布时间：2018-06-01 20:29

本文选题：风险监测 + 授信业务　；参考：《银行家》2014年07期

【摘要】：正随着互联网技术的发展、电子商务迅速崛起,对传统银行业的发展环境带来了巨大的变革,这种变革主要体现在支付、理财和融资等三个方面。作为银行业重要核心职能之一,融资授信业务面临着互联网金融带来的机遇与挑战,如何运用互联网思维突破传统弊端,提高融资授信业务的效率,更好地满足客户体验和客户需求,逐渐成为各大商业银行的共同关切。坦率地说,目前市场上如火如荼的各种P2P模式网络贷款只是互联网借贷平台,这个平台主要职能是信息发布、中介撮合、增值服务等,平台运营主体并不真正参与网络贷款,从这个层面上说,目前市场上所谓的网络贷款其实应该叫网络借贷,是一种
[Abstract]:With the development of Internet technology and the rapid rise of electronic commerce, the development environment of traditional banking has been greatly changed, which is mainly reflected in three aspects: payment, financing and financing. As one of the important core functions of the banking industry, the financing credit business is facing the opportunities and challenges brought by the Internet finance. How to use the Internet thinking to break through the traditional malpractice and improve the efficiency of the financing credit business. Better meet customer experience and customer needs, gradually become the common concern of major commercial banks. Frankly speaking, at present, all kinds of P2P network loans in the market are just Internet lending platforms. The main functions of this platform are information publishing, intermediary matchmaking, value-added services, and so on. The main operators of the platform do not really participate in network loans. On this level, the so-called network loan in the market at present should actually be called network loan, which is a kind of network loan.
【作者单位】：中国人民银行长沙中心支行;
【分类号】：F832.4;F724.6

【相似文献】