摘要
近年来,商业银行以金融科技为抓手,运用移动互联网、大数据、人工智能、云计算等技术助力普惠金融发展已成趋势。本文以南京银行通过金融科技助力小微金融业务发展为例,探究小微金融信贷产品设计思路、产品力及存在的问题。研究发现,南京银行“鑫”系列线上小微金融信贷产品利用大数据、移动互联网、人工智能及区块链技术简化了小微金融业务办理流程,强化了大数据智能风控,但存在征信数据来源单一、同质化竞争、普惠金融发展与银行经营业绩之间相互矛盾等共性问题,并为金融科技助力普惠金融进一步发展提出政策建议。
In recent years,it has become a trend for commercial banks to use financial technology as a starting point,using mobile internet,big data,artificial intelligence,cloud computing,and other technologies to assist the development of inclusive finance.This paper takes the Bank of Nanjing to help the development of small and micro finance business through financial technology as an example to explore the design ideas,product power and existing problems of its small and micro finance credit products.The research found that the"Xin"series of online small and micro financial credit products of Bank of Nanjing have simplified the processing process of small and micro financial businesses using big data,mobile internet,artificial intelligence,and blockchain technology,and strengthened the intelligent risk control of big data.However,there are some common problem such as single source of credit data,homogeneous competition,confl icts between inclusive finance development and bank operating performance.And policy recommendations are proposed for financial technology to assist the further development of inclusive finance.
作者
王虎
张峰
WANG Hu;ZHANG Feng(Kewen College,Jiangsu Normal University Xuzhou,Jiangsu 221006)
出处
《中国商论》
2023年第7期91-93,共3页
China Journal of Commerce
基金
2021年度江苏省高校哲学社会科学研究基金项目“金融科技对普惠金融发展的影响及模式创新研究”(2021SJA2415)的阶段性成果。
关键词
金融科技
普惠金融
小微金融
实践研究
智能风控
financial technology
inclusive finance
microfinance
practical research
intelligent risk control
