以全面数字化助力消费金融公司高质量发展  

Boosting High-Quality Development of Consumer Finance Companies through Comprehensive Digitization

作　　者：赵辉 梅文宇 葛畅 李伟 ZHAO Hui;MEI Wenyu;GE Chang;LI Wei(Director of Bank of Jiangsu Research Institute/Suvin Research Institute;Bank of Jiangsu)

机构地区：[1]苏银研究院 [2]苏银金租公司 [3]苏银消金公司 [4]江苏银行董事会办公室

出　　处：《中国银行业》2025年第2期44-46,6,共4页China Banking

摘　　要：当前,消费金融公司正着力构建消费金融公司数据标准和数据治理平台,实现数据的标准化、结构化和规范化管理,并在产品创新、风险管理和客户运营等方面应用数据驱动的策略,实现业务的精细化管理和个性化服务。Currently,the technological revolution and industrial transformation are advancing at an unprecedented pace.The thriving development of cutting-edge technologies such as artificial intelligence is profoundly reshaping the ecosystem of the financial industry.Against this trend,consumer finance companies are focusing on establishing data standards and data governance platforms for consumer finance companies,to achieve standardized,structured,and normalized management of data.Furthermore,they are applying data-driven strategies in areas such as product innovation,risk management,and customer operations to realize refined business management and personalized services.

关 键 词：消费金融公司 精细化管理 数据治理 数据驱动 数据标准 风险管理 规范化管理 个性化服务 

分 类 号：F83[经济管理—金融学]