摘要
传统金融与互联网金融都是主观信用体系,存在着巨大的风险。随着云计算、物联网、大数据和移动和互联网技术的发展,出现了一种新模式——物联网金融。通过利用物联网金融模式,基于物联网智能感知设备,实时感知中小微企业的运营状态,推动资金流、信息流、实体流三流合一,构建客观信用体系,助力金融机构打造全新的商业模式,以及开展贷前调查、贷中管理、贷后预警,预防欺诈违约案件,提高风控水平。
Traditional finance and Internet finance are both subjective credit systems,which have great risks.With the development of cloud computing,Internet of things,big data,mobile and Internet technology,a new model,Internet of things finance,has emerged.Through the use of the Internet of things financial model,based on IOT intelligent sensing equipment,real-time perception of the operation status of small and medium enterprises,to promote the flow of funds,information flow,entity flow,and build an objective credit system,help financial institutions to create a new business model,and to carry out pre loan investigation,loan management,loan early warning,prevent fraud and default cases,improve the level of wind control.
作者
胡斌
冯维
李七生
陈军荣
陈亚辉
Hu Bin;Feng Wei;Li Qisheng;Chen Junrong;Chen Yahui(Hangzhou GAODA Software System Co.,Ltd.,Hangzhou Zhengjiang 311100,China;Zheji ang Gongshang University,Hangzhou Zhengjiang 310018,China)
出处
《信息与电脑》
2019年第20期144-146,共3页
Information & Computer
基金
2018年杭州市重大科技创新项目（项目编号：20182011A24）
关键词
物联网金融
客观信用
信用评估与预警
internet of things finance
objective credit
credit assessment and early warning
