严监管下偏远地区法人银行互联网贷款发展路径思考——基于新疆哈密地方法人银行的调查

Consideration on the Development Path of Internet Loan of Corporate Banks in Remote Places under Strict Supervision Based on the Investigation of XinJiang Hami Local Legal Person Bank

在金融科技助力金融业数字化转型的大趋势下,商业银行互联网贷款业务快速发展,有效缓解了小微企业及个人长尾客户"贷款难"问题,进一步提升了普惠金融服务覆盖面和便利度,同时也带来了新的风险隐患。本文通过对新疆哈密地方法人银行的互联网贷款业务调查,对标监管政策,回溯分析,查找问题,提出建议,为偏远地方法人银行互联网贷款健康发展提供参考。

Under the general trend of the digital transformation of the financial industry assisted by financial technology,the Internet loan business of commercial banks has developed rapidly,effectively alleviating the"difficult loan"problem of small and micro enterprises and individual long-tail customers,further improving the coverage and convenience of inclusive financial services,and at the same time bringing new risks and hidden dangers.Based on the investigation of the Internet loan business of Hami local legal entity bank in Xinjiang,the paper retrospected and analyzed the regulatory policies,searched for problems,and put forward suggestions,so as to provide reference for the healthy development of the Internet loan of the legal entity bank in remote places.