【摘要】：正基于生命周期的成長鏈金融將自然人的一生分為成長、就業(yè)、成熟及退休四個階段,并對自然人進(jìn)行跨期動態(tài)授信。成長鏈金融具有終生性服務(wù)理念,對自然人階段性過度授信,更加人性化,提供綜合化的金融服務(wù),整體優(yōu)化與局部優(yōu)化并重。但是成長鏈金融在今后的發(fā)展中可能會面臨著流動性風(fēng)險、違約風(fēng)險、意外風(fēng)險,同時也會受到競爭對手的威脅,受限于國內(nèi)征信體系以及社會保障體系的不完善,為了應(yīng)對這些風(fēng)險,當(dāng)前應(yīng)該
[Abstract]:The life cycle based growth chain finance divides the life of natural person into four stages: growth, employment, maturity and retirement, and carries on the intertemporal dynamic credit to the natural person. The growth chain finance has the life-long service idea, the natural person stage excessive credit, more humanized, provides the comprehensive financial service, the overall optimization and the partial optimization equally emphasizes. However, growth chain finance may face liquidity risk, default risk, unexpected risk in the future development, at the same time, it will be threatened by competitors, limited by the imperfect domestic credit system and social security system. In order to deal with these risks, we should now
【作者單位】： 南京財經(jīng)大學(xué)中國區(qū)域研究中心;江蘇省互聯(lián)網(wǎng)金融協(xié)會;江蘇銀行總行董事辦;南京財經(jīng)大學(xué)金融學(xué)院;
【分類號】：F832.33
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本文編號：2232206