商业银行互联网小微贷款业务特点及政策建议

Commercial Bank’s Internet Small-&-micro Loan Business Characteristics and Policy Recommendations

小微企业融资是世界性难题,而发展"全自动"的互联网贷款有助于缓解难题。互联网贷款可以利用大数据技术等金融科技解决传统小微信贷业务中存在的信息不对称、贷后管理、获客留客、单位成本偏高以及操作风险等问题,浙江网商银行、中国建设银行、江苏银行等在该领域均有较为丰富的业务实践经验。尽管如此,目前互联网小微贷款产品在客群、数据、模型等方面仍存在诸多问题。商业银行将来可从产品、营销、数据、风控、科技、人才等多方面入手,进一步完善互联网小微贷款业务,并可尝试探索构建基于互联网的"服务民企滴灌融资系统"。

Small and micro enterprises financing is a worldwide problem,and the development of automatic" internet loans to help alleviate the problem.Internet loans can make use of big data technology and other financial technologies to solve the problems of information asymmetry,post-loan management,customer retention,high unit cost and operational risks in traditional small and micro credit business.Zhejiang E-bank,China Construction Bank and Bank of Jiangsu and other banks have rich business practice experience in this field.In spite of this,there are still many problems in customer group,data and model of internet small and micro loan products.In the future,commercial banks can further improve the internet small and micro loan business from the aspects of product,marketing,data,risk control,science and technology,talent and so on,and try to explore the construction of internet-based service for private enterprise drip irrigation financing system".