互联网银行的挑战和机遇

The Challenges and Opportunities of the Internet Banks

本文分析了互联网给银行业带来改善客户服务、为信用风险管理提供了新的工具和相关数据技术、降低小微企业贷款和消费信贷成本等机遇,同时指出银行会面临人才、激励约束、风险管理等方面挑战。因此银行可以沿着成本和创新两个方向利用互联网和大数据,改造现有流程、提高效率、改进风险管理。

The paper analyses the opportunities brought by the intemet such as improvmg customer services for banks, providing a new tool and related technical data for the credit risk management, reducing the costs of loans granted to micro and small enterprises and consumer credit. At the same time, it points out that the banks may face such challenges as talented personnel, incentive constraint and risk management, etc. So banks can make use of the interact and mass data from two directions of costs and innovations to rebuild the existing process, increase efficiency and improve risk management.