本文選題：小微金融　切入點：大數(shù)據(jù)　出處：《武漢金融》2017年05期 　論文類型：期刊論文

【摘要】：小微企業(yè)融資難的根本原因在于商業(yè)銀行與小微企業(yè)之間的信息不對稱。商業(yè)銀行難以了解小微企業(yè)的信用狀況和真實經(jīng)營情況,導(dǎo)致在開展小微金融服務(wù)時面臨著各種業(yè)務(wù)拓展和風(fēng)險防控的考驗。隨著移動互聯(lián)網(wǎng)的迅速普及,利用大數(shù)據(jù)技術(shù)作為支撐,各家商業(yè)銀行加快了小微金融的轉(zhuǎn)型步伐,不斷完善小微金融業(yè)務(wù)服務(wù)和產(chǎn)品體系。本文結(jié)合小微企業(yè)特點和大數(shù)據(jù)技術(shù),從小微金融產(chǎn)品創(chuàng)新、服務(wù)創(chuàng)新和風(fēng)險控制三個維度,提出了大數(shù)據(jù)技術(shù)下小微金融的轉(zhuǎn)型提升策略。
[Abstract]:The fundamental reason for the difficulty in financing small and micro enterprises lies in the asymmetry of information between commercial banks and small and micro enterprises. It is difficult for commercial banks to understand the credit status of small and micro enterprises and the true business situation. With the rapid spread of the mobile Internet and the use of big data technology as a support, commercial banks have accelerated the pace of transformation of microfinance. This paper combines the characteristics of small and micro enterprises and big data technology, from three dimensions: product innovation, service innovation and risk control. Proposed big data technology under the small and micro finance transformation promotion strategy.
【作者單位】： 清華大學(xué)經(jīng)濟管理學(xué)院博士后流動站;中國民生銀行博士后工作站;
【分類號】：F832.2

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