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论文编号：	12089
作者编号：	2320180573
上传时间：	2020/12/11 16:48:24
中文题目：	金融科技在商业银行小微信贷业务风险管理上的应用研究
英文题目：	Research on the Application of Fintech in the Risk Management of Small and Micro Credit Business of Commercial Banks
指导老师：	齐岳
中文关键字：	商业银行；金融科技；小微信贷；风险管理
英文关键字：	commercial banks; financial technology; small and micro credit; risk management
中文摘要：	金融科技简单来说是金融业务和前沿科学技术的融合，是将科技完美融合到金融业务中，从而使金融业务提质增效。在当前金融领域发展潮流下，金融科技的应用和创新已经逐步成为传统金融业务升级转型的关键驱动力和关键支持力。随着金融数字化与科技智能化的发展，以人工智能、大数据为代表的新兴技术已开始应用于越来越多的金融领域，为产业升级增加竞争力。金融科技的发展模式也从被动转变为主动，由金融业务需求导向型转变为技术创新引领业务变革，重新构建传统银行的经营模式和业务模式。 与此同时，小微企业融资难等全球性难题，一直困扰着小微企业的健康发展，没有得到有效解决。商业银行不了解小微企业的经营情况，而有真实贷款需求的小微企业难以找到愿意发放贷款的银行，传统小微信贷风险管理业务模式自身存在多种局限，难以有效解决上述问题，造成了融资需求得不到满足而资金供给找不到释放缺口的尴尬局面。金融科技的突破和崛起为打破信息不对称等问题提供了新的可能性，为商业银行进行小微信贷业务风险管理提供了新的思路。利用金融科技来优化商业银行小微信贷业务，逐渐成为小微信贷业务风险管理模式转型升级的一条必经之路。 基于以上背景，本文从定义核心概念开始，介绍金融科技和小微信贷的定义、金融科技应用模式特点，并对相关理论基础进行介绍。其次阐述了商业银行小微信贷风险管理模式现状，包括小微信贷融资供需现状、传统小微信贷风险管理模式介绍、存在的问题、以及金融科技对小微信贷业务的影响。基于上述分析，提出金融科技视角下小微信贷风险管理优化建议，包括外部的金融科技生态环境建设、银行内部的金融科技顶层设计以及金融科技在小微信贷风险管理业务细节上的应用建议。最后以W银行为例，阐述金融科技在该银行小微信贷业务场景的创新应用，剖析金融科技关键技术的应用场景和应用效果，证实运用金融科技优化小微信贷风险管理模式是切实可行的。 本文研究内容包括金融科技和小微信贷两大热点话题，希望研究内容和结论对商业银行应用金融科技和优化小微信贷风险管理模式具有一定的借鉴作用和指导意义。
英文摘要：	In simple terms, financial technology is the integration of financial business and cutting-edge science and technology. It is the perfect integration of technology into financial business to improve the quality and efficiency of financial business. Under the current development trend of the financial sector, the application and innovation of financial technology have gradually become the key driving force and key support force for the upgrading and transformation of traditional financial services. With the development of financial digitalization and technological intelligence, emerging technologies represented by artificial intelligence and big data have begun to be applied in more and more financial fields to increase competitiveness for industrial upgrading. The development model of financial technology has also changed from passive to active, from financial business demand-oriented to technological innovation leading business reforms, and reconstructing the traditional bank's business model and business model. At the same time, trapped by information asymmetry and other issues, small and micro enterprises are facing global challenges such as "difficult and expensive loans". Commercial banks do not understand the operating conditions of small and micro enterprises, and small and micro enterprises with real loan needs cannot find a bank willing to issue loans. The traditional small and micro credit risk management business model has its own limitations and it is difficult to effectively solve the above problems. The awkward situation where financing needs cannot be met and funding cannot be found to release the gap. The breakthrough and rise of financial technology have provided new possibilities for breaking information asymmetry and other issues, and provided new ideas for commercial banks to conduct small and micro credit business risk management. The use of financial technology to optimize the small and micro credit business of commercial banks has gradually become a necessary way for the transformation and upgrading of the small and micro credit risk management model. Based on the above background, this article starts with the definition of core concepts, introduces the definition of financial technology and micro-credit, the characteristics of financial technology application models, and introduces related theoretical foundations. Secondly, it explains the current status of the small and micro credit risk management model of commercial banks, including the current supply and demand of small and micro credit financing, the introduction of traditional small and micro credit risk management models, the existing problems, and the impact of financial technology on the small and micro credit business. Based on the above analysis, suggestions on the optimization of micro-credit risk management from the perspective of financial technology are proposed, including external financial technology ecological environment construction, internal financial technology top-level design within the bank, and financial technology application recommendations in the details of micro-credit risk management business. Finally, taking Bank W as an example, it explains the financial technology in the bank's small and micro credit business scenarios, analyzes the application scenarios and application effects of financial technology key technologies, and proves that it is feasible to use financial technology to optimize the small and micro credit risk management model. The research content of this paper includes two hot topics of financial technology and small and micro credit. It is hoped that the research content and conclusion will have certain reference and guiding significance for commercial banks to apply financial technology and optimize the risk management model of small and micro credit.
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