大数据时代小微企业智能审贷问题研究  

Analysis on the Smart Credit Approval Issues of SMEs in the Era of Big Data

作　　者：谢清河[1] 

机构地区：[1]厦门大学金融研究所,福建厦门361005

出　　处：《金融发展研究》2016年第11期51-56,共6页Journal Of Financial Development Research

摘　　要：信用风险控制技术是大数据在商业银行应用的最核心功能。本文以大数据为背景,结合商业银行内外部环境,探讨了小微企业智能审贷引入大数据分析的必要性与可行性,剖析了商业银行推进小微企业智能审贷面临的困难与挑战,并提出加强法制建设、完善数据库体系建设、强化数据价值挖掘能力、搭建适应大数据的数据管理体系等建议。Today, meeting the capital needs of SMEs on the basis of effective risk control is still an important issue facing the banking industry. Under the background of big data, the credit risk control technology is the most core function for the application of big data in commercial banks. Based on big data, and combined with the commercial banks＇ internal and external e^vironment, this paper explores the necessity and feasibility of introducing the big data analysis in SMEs＇ smart credit approval system, and analyzes the difficulties and challenges for commercial banks to promote it. Finally, this paper comes up with these suggestions such as the strengthening of the legal system, improvement of the database system, the enhancement of the data processing capability, the strengthening of the value of data mining capability, and the building of data management system which adapts to big data structure.

关 键 词：大数据 小微企业 风险管理 信贷审批 

分 类 号：F830.33[经济管理—金融学]