数智技术驱动消费信贷创新的趋势和启示  

Smart Technology Driving Innovation in Consumer Credit

作　　者：何浩扬 何开宇[2] 

机构地区：[1]北京邮电大学未来学院 [2]中国银行银行卡中心

出　　处：《金融电子化》2024年第7期31-33,M0003,共4页Financial Computerizing

摘　　要：消费信贷是指向消费者提供贷款的现代金融服务,商业银行的消费信贷业务包括耐用消费品、购车、旅游、住房、教育、装修等用于个人消费项目的贷款。随着市场竞争日趋激烈,世界各地的商业银行应用数智技术开展了多元化创新,本文将分析应用数智技术创新消费信贷业务的最新趋势,并对我国商业银行开展相关业务提出建议。Consumer credit refers to modern financial services that provide loans to consumers.The consumer credit business of commercial banks includes loans for durable consumer goods,cars,travel,housing,education,renovation,and other personal consumption projects.Commercial banks worldwide have diversified their innovations using innovative technology as market competition intensifies.This article will analyze the latest trends in using innovative technology to innovate consumer credit businesses and provide suggestions for commercial banks to engage in related businesses.

关 键 词：消费信贷业务 耐用消费品 现代金融服务 技术驱动 商业银行 多元化创新 个人消费 技术创新 

分 类 号：F832.4[经济管理—金融学]