线上信贷产品定价特征及对整体贷款利率影响的分析

Online Credit Product Pricing Characteristics and Analysis of Its Impact on Overall Loan Interest Rates

笔者对江西省21家银行机构线上信贷产品进行调研,发现线上产品与线下产品在利率定价方式、授权审批、利率执行上差异较大,而且法人银行和非法人银行的线上产品也存在不小的差距。为实现进一步降低社会综合融资成本的目标,本文从监管部门、金融机构角度提出搭建大数据信息平台、发展金融科技、为线上产品的贷后管理工作提出了政策建议。

With the development of fi nancial technology and changes in consumer fi nancial needs,online credit products have emerged in recent years and have developed rapidly.The author conducted a survey on the online credit products of 21 banking institutions in Jiangxi Province,and found that online products and offl ine products differ greatly in interest rate pricing methods,authorization approvals,interest rate enforcement,etc.and the online products of legal person banks and unincorporated banks.There is also a large gap between products,which affects the overall level of loan interest rates.In order to achieve the goal of further reducing the social comprehensive financing cost and standardize the development of online credit products,this article proposes policy recommendations such as building a big data information platform,vigorously developing financial technology,and improving legal protection from the perspective of regulatory agencies,banking institutions and other government departments.