数字化背景下小额贷款公司高质量发展的路径和策略研究——基于温州市小贷行业的调查

Research on the Path and Strategy of High Quality Development of Micro-credit Companies Under the Background of Digitization——Based on the Investigation of Wenzhou Micro-credit Industry

数字化转型已经成为金融业的发展趋势。互联网小额贷款公司发展实践证明,小额贷款公司借助数字化转型是实现高质量发展的有效路径。温州的小额贷款公司总体上数字化水平不高,但业绩优秀小额贷款公司的实践,揭示了小额贷款公司高质量发展的共性特征。要实现小额贷款公司高质量发展,建议根据监管评级,对不同类型的小额贷款公司实施有区别的数字化发展路径。要构建小额贷贷款公司行业数字化管理平台,创新小额贷款业务管理核心技术,通过数字化技术在开放合作中实现资源共享。

Digital transformation has become the development trend of the financial industry.The development practice of Internet micro-credit companies proves that digital transformation is an effective way to achieve high-quality development for small loan companies.The digitalization level of wenzhou micro-credit companies is not high on the whole,but the practice of micro-credit companies with excellent performance reveals the common characteristics of high-quality development of micro-credit companies.In order to achieve high-quality development of micro-credit companies,it is suggested to implement differentiated digital development paths for different types of micro-credit companies according to regulatory ratings.It is necessary to build an industry digital management platform,innovate the core technology of micro-credit business management,and realize resource sharing through open cooperation through digital technology.