金融理论与实践
金融理論與實踐
금융이론여실천
FINANCIAL THEORY AND PRACTICE
2015年
8期
25-30
,共6页
互联网金融%大数据%网络贷款%助学贷款
互聯網金融%大數據%網絡貸款%助學貸款
호련망금융%대수거%망락대관%조학대관
internet finance%big data%network loan%student loans
从互联网金融的定义和特点出发，总结互联网金融的两大优势，即大规模数据处理能力和资源配置过程“去中介化”，这对传统商业银行产生了较大冲击。鉴于此，互联网金融浪潮下传统商业银行的一个可能发展机遇是，针对中小企业开展大数据征信和网络贷款业务。又以互联网金融模式下的助学贷款业务为例，展示了大数据征信和网络贷款的具体应用方案。
從互聯網金融的定義和特點齣髮，總結互聯網金融的兩大優勢，即大規模數據處理能力和資源配置過程“去中介化”，這對傳統商業銀行產生瞭較大遲擊。鑒于此，互聯網金融浪潮下傳統商業銀行的一箇可能髮展機遇是，針對中小企業開展大數據徵信和網絡貸款業務。又以互聯網金融模式下的助學貸款業務為例，展示瞭大數據徵信和網絡貸款的具體應用方案。
종호련망금융적정의화특점출발，총결호련망금융적량대우세，즉대규모수거처리능력화자원배치과정“거중개화”，저대전통상업은행산생료교대충격。감우차，호련망금융랑조하전통상업은행적일개가능발전궤우시，침대중소기업개전대수거정신화망락대관업무。우이호련망금융모식하적조학대관업무위례，전시료대수거정신화망락대관적구체응용방안。
This paper first summarized the two advantages of internet finance which started from the definition and features of internet finance. The two are large-scale data processing capabilities and disintermediation in the resource allocation process, which had a greater impact to the traditional commercial banks. Referring to this, conducting the big data network credit and internet loan business for SMEs is the possible development opportunity to the traditional commercial banks under the internet finance tidal wave. And then, the paper show the specific application program of the big data network credit and internet loan, by taking the student loans under the internet finance mode.
