金融科技对商业银行信贷业务影响研究

A Study on the Impacts of Fintech on the Credit Business of Commercial Banks

先进的科学技术正在改变和塑造各个行业,其对金融业的改变尤甚。金融科技成为商业银行优化信贷审核业务的一条路径,各商业银行也逐渐重视将金融科技运用于信贷业务。对国内金融科技与其在银行信贷业务中的应用现状进行分析,基于商业银行现行信贷业务和金融科技结合案例,探索金融科技对商业银行信贷业务的影响。结果发现,金融科技对银行信贷业务有增强惠普性、降低信息不对称、提升智能化管理水平、同时促进产业链金融发展等4个主要积极影响。

Advanced technology is transforming and shaping industries,especially the finance sector.Commercial banks have also gradually attached importance to the use of Fintech in their credit business.At present,the emergence of Fintech has become a way for commercial banks to optimize their credit loan business.Based on the analysis and introduction of the current situation of domestic Fintech and Fintech’s application to bank credit business,this paper explores the influence path of Fintech on the credit business of commercial banks,and lists the current credit business and financial technology combination cases of some commercial banks.It is found that Fintech affects bank credit business from four aspects:increasing universality,reducing information asymmetry,improving intelligence level,and promoting the development of industrial chain finance.