数字化转型对商业银行贷款管理系统的影响

The Impact of Digital Transformation on the Loan Management System of Commercial Banks

金融供给侧改革要求商业银行回归服务本源、更好地服务实体经济,特别是在当前“稳经济大盘”政策要求下,商业银行如何更好地发展普惠金融,将信贷资源精准滴管小微企业,保市场主体、保就业、保民生,意义更加凸显。在ABCD新技术普及背景下,商业银行贷款管理系统数字化转型成为更好发展普惠金融的关键。文章围绕数字化转型这一主题,对商业银行传统贷款业务经营管理进行必要梳理,结合商业银行数字金融发展现状,从大数据信贷模式和“网络供应链”两个维度探索商业银行贷款管理系统数字化转型方式,从运用大数据监测系统、构建智能贷后管理系统、大数据风控决策引擎、自动化流程机器人四个方面提出推动贷款业务与数字化技术的深度融合路径,为优化贷款流程、提升信贷业务效率与风险防控水平、更好应对市场竞争和发挥普惠金融效能提供有益借鉴。

The financial supply side reform requires commercial banks to return to the original intention of service and better serve the real economy. In particular, under the requirements of the current policy of “stabilizing the economic mainstay”, commercial banks better developing Inclusive Finance to precisely make drip irrigation of loan resources into small and micro enterprises is more significant for ensuring market participants, employment and people’s livelihood. Under the background of the popularization of the new technology of ABCD, the digital trans⁃ formation of the loan management system of commercial banks has become the key to the better development of In clusive Finance. Focusing on the theme of digital transformation, this paper sorts out the operation and management of traditional loan business of commercial banks, and in combination with the current situation of the development of digital finance of commercial banks, explores the digital transformation mode of the loan management system of commercial banks from the two dimensions of the big data credit mode and the “network supply chain”. Finally, this paper puts forward a path to promote the deep integration of loan business and digital technology from the four perspectives of using big data monitoring system, building intelligent post-loan management system, big data risk-control decision-making engine, and automation process robot, and provides useful reference for optimizing loan process, improving credit business efficiency and risk prevention and control level, and better coping with market competition and giving play to inclusive financial efficacy while improving credit operation and management ability.