互联网金融背景下我国商业银行个人网络消费贷款授信模型探讨  

Credit Models of Personal Online Consumer Loan of Commercial Banks in China under the Background of Internet Finance

作　　者：熊盼 Xiong Pan(Institute of Internet and Innovation Finance,Guangzhou Huali College,Guangzhou Guangdong 511325)

机构地区：[1]广州华立学院互联网与创新金融研究所,广东广州511325

出　　处：《对外经贸》2022年第1期93-97,共5页FOREIGN ECONOMIC RELATIONS & TRADE

基　　金：2015年广东省教育厅青年创新人才类项目“兴趣导向分组教学法在非经济专业《宏观经济学》教学中的实践与探索”(项目编号:2015WQNCX176)。

摘　　要：互联网金融创新推动着我国商业银行个人网络消费贷款业务快速发展,各商业银行以个人网络消费贷款产品为抓手,不断满足旺盛的个人消费贷款市场需求。通过调查归纳国内十家代表性商业银行个人网络消费贷款产品的授信参数基本规则,对常见的房贷模型、代发工资模型、贵宾/金融资产/财富私行模型、公积金/社保/税务模型的基本内容进行分类探讨,提出优化个人网络消费贷款授信模型的建议,包括完善模型体系建设、提高大数据应用基础、深度嵌入贷后管理等,以期对商业银行线上信贷转型发展有所裨益。Internet financial innovation promotes the rapid development of personal online consumer loan business of China's commercial banks.Commercial banks focus on personal online consumer loan products to meet the strong demand of personal consumer loan market.This paper investigates and summarizes the basic rules of credit parameters of personal online consumer loan products of ten representative commercial banks in China,and discusses the basic contents of common housing loan model,agent salary model,VIP/financial assets/wealth private bank model and provident fund/social security/tax model.Finally,it puts forward some suggestions on optimizing the credit model of personal online consumer loan,It includes perfecting the model system construction,improving the application foundation of big data,deeply strengthen post loan management,etc.,in order to benefit the development of online credit transformation of commercial banks.

关 键 词：互联网金融 商业银行 个人网络消费贷款 贷款产品 授信模型 

分 类 号：F830.33[经济管理—金融学]