数字化背景下商业银行线上信贷业务风险管控对策研究

Risk Control Countermeasures of Online Credit Business in Commercial Banks on the Background of Digitalization

近年来,随着数字化技术的深度发展和应用,在政策与市场的双轮驱动下,商业银行利用互联网、大数据等技术对线下小微企业信贷流程进行了再造,创新推出线上信贷业务模式,大幅降低了小微企业贷款过程中信息不对称问题,小微企业融资呈现出"扩面、增量、降价"的趋势。但在线上信贷产品快速发展的同时,新的风险点不断显现,商业银行线上信贷业务风险控制面临着新的挑战。论文基于近年来商业银行线上信贷业务发展实践,梳理了业务开展中数据风险、模型风险、欺诈风险、贷后管理风险、法律风险、处置风险等面临的新挑战,提出了完善商业银行线上信贷业务风险管控对策的具体思路和建议。

In recent years,with the in-depth development and application of digital technology,driven by the policy and market,commercial banks have used the Internet,big data and other technologies to re-engineer the offline small and micro enterprise credit process and launch the online credit business model,which greatly reduced the cost problem of information asymmetry in the loan process of small and micro enterprises.The financing of small and micro enterprises expands with lower prices and greater volume.With this trend,however,new risk points surfaces,resulting in a new challenge for commercial banks’online credit business.Base on the practice of commercial banks’online business,this paper sorts out the risks such as data risk,model risk,fraud risk,post-loan management risk,legal risk,disposal risk and so on,and finally puts forward the specific ideas and suggestions for improving the countermeasures of risk control in commercial banks.