摘要
当前,我国居民消费快速增长、消费金融政策红利频出,消费金融以其资本占用低、收益率高的特点,成为诸多商业银行业务转型的重点发展领域.在开展消费金融业务时,银行如何更加前瞻、有效地识别、评价客户的风险水平,进而控制风险,是亟待认真思考、解决的重要问题.基于海量数据建模而实现定量分析的新风控方式为银行解决这一问题提供了全新的思路和手段.银行可借助新兴的数字化技术,尝试构建"从数据分析到价值创造"的方法论,不断完善消费金融业务的反欺诈模型、风险评估体系、风险预警机制以及信用数据共享.
At present,China’s household consumption is growing rapidly,and consumer finance policy dividends are frequent,which has become a key development area for the transformation of many commercial banks.With the help of emerging digital technologies,banks can continuously improve the anti-fraud model,risk assessment system,risk warning mechanism and credit data sharing of consumer finance business.
出处
《银行家》
2019年第7期80-82,共3页
The Chinese Banker
