【摘要】 与线下涉农贷款相比,线上涉农贷款对大数据、移动互联网等新兴科技手段依赖性更强,风险也更加复杂和多样,传统信贷风险防控体系面临较大挑战。基于此,论文从线上与线下涉农贷款共有的诸如信用风险、商业化风险等传统风险,线上涉农贷款表现较为突出的诸如数据风险、技术风险等新兴风险,以及欺诈风险、操作风险在线下、线上涉农贷款上的不同表现形式等角度,系统分析线上涉农贷款所面临的风险类型及具体表现。在此基础之上,提出加强金融风险防范知识宣传、加强"三农"大数据体系建设、加强人工智能算法在风险识别中的应用、加强新兴风险防控等线上涉农贷款风险防控建议。更多还原

【Abstract】 Compared with traditional agriculture-related loans, online agriculture-related loans are more dependent on emerging scientific and technological means such as big data, mobile internet and artificial intelligence, resulting in more complexity and diversity of risks. Therefore,the traditional credit risk prevention and control system is facing great challenges. Based on this, this paper analyzes the common traditional risks such as credit risk and commercialization risk of online and offline agriculture related loans, the unique emerging risks such as data risk and technology risk of online agriculture related loans, and the different manifestations of fraud risk, operational risk and online agriculture related loans, and systematically analyze the types and specific manifestations of risks faced by online agriculture-related loans. On this basis,it puts forward some suggestions on online agricultural loan risk prevention and control, such as strengthening the publicity of financial risk prevention knowledge, strengthening the construction of “agriculture, rural areas and farmers” big data system, strengthening the application of artificial intelligence algorithm in risk identification, and strengthening emerging risk prevention and control.更多还原