数字经济时代下金融科技应用于中小企业担保机构的可行性分析

Feasibility Analysis of the Application of Financial Technology to SME Guarantee Agencies in the Digital Economy Era

本文从担保行业风控模型失灵问题出发,通过剖析担保行业“高风险、低收益”的问题根源,提出运用大数据、云计算、人工智能等技术完善担保机构的可行性与必要性,并构建担保大数据平台的方案来补充完善中小企业融资担保中的智能担保审核模型与风险控制业务流程,为担保机构未来的战略规划提供了方向与现实依据。

Starting from the failure of the risk control model of the guarantee industry,this article analyzes the root cause of the"high risk and low return"problem in the guarantee industry,and proposes the feasibility and necessity of using big data,cloud computing,artificial intelligence and other technologies to improve guarantee institutions,and build a guarantee big data platform to supplement and improve the intelligent guarantee review model and risk control business process in SME financing guarantees.It provides direction and realistic basis for the future strategic planning of guarantee institutions.