【作者】 王芳；

【导师】 贾怀京；

【作者基本信息】 北京邮电大学 ， 工商管理（专业学位）， 2019， 硕士

【摘要】 随着互联网技术的高速发展,大数据在多行业进行了应用。加之我国政府对民营小微企业及其融资方面的重视。在解决小微企业融资方面,贷款机构的组成也有了新格局。小微企业的融资渠道有了前所未用的广阔,包括国有银行、股份制银行、城商行、中小金融机构,P2P互联网金融公司,小贷公司和民间借贷。但小微企业融不到资的情况仍然严峻。主要关键是各类机构对小微企业风控手段仍然停留在某一种风险控制模式上,未进行有效融合。国有银行与股份制银行在支持小微企业时,大多为有抵押的小微企业放款。而信用类的多固定某一类场景的客户,例如流水贷,只针对在其行内开户结算的一部分小微企业。城商行如果没有相应的小微信贷技术也只停留在抵押贷款上。其中少部分城商行应用了德国IPC信贷技术对无抵押的小微企业、个体工商户进行信贷支持,但因管理成本大,盈利微薄,多出现经营困境。P2P互联网金融公司多采用大数据方式对小微企业授信,又因我国大数据资源在现阶段难以对小微企业的全数据进行收集整理,依靠大数据评估小微企业的风险状况难以很好的进行风险的控制,第一,难以满足个性化的小微企业信贷需求;第二,容易出现逾期现象,2018年出现的多家P2P公司“暴雷”事件足以说明其风控方式的单一性。本文主要采取文献研究法、案例研究法,通过对德国IPC信贷技术的风控原理、特点以及该技术的优势及局限性和大数据在互联网金融领域的应用案例,以此说明大数据风控模式的优点及局限性。再以A互联网金融公司应用大数据和IPC信贷技术的成功案例,对其风控机制的研究,说明现阶段这种风控模式的优越性。供小微企业贷款机构结合自身战略定位,选择更符合自身业务发展的风控流程进行参考。本文结论是,小微企业的贷款服务机构在现阶段要想争夺小微企业信贷资源,要尽快加大线上化、数据化技术的储备的更新配置,增加技术的储备工作,考虑云技术的解决方案。同时以人为本向以人才为本快速转型。对营销技术人才、金融科技人才、风险管理人才加大储备。更多还原

【Abstract】 With the rapid development of Internet technology,big data has been applied in many industries.In addition,our government attaches great importance to private small and micro enterprises and their financing.In resolving the financing of small and micro enterprises,the composition of lending institutions also has a new pattern.The financing channels of small and micro enterprises have unprecedented breadth,including state-owned banks,joint-stock banks,city commercial banks,small and medium-sized financial institutions,P2P Internet financial companies,small loan companies and private lending.But the situation that small and micro enterprises can not finance is still grim.The main point is that all kinds of institutions still remain in a certain risk control mode for small and micro enterprises,without effective integration.When state-owned banks and joint-stock banks support small and micro enterprises,they mostly lend money to small and micro enterprises with collateral.Credit customers,such as pipelining,are mostly targeted at some small and micro enterprises that open accounts and settle accounts in their own banks.If there is no corresponding micro-credit technology,city commercial banks will only stay on mortgage loans.A few of them used German IPC credit technology to support unsecured small and micro enterprises and individual businesses,but because of the high cost of management and the meager profit,they often suffered from operational difficulties.Peer-to-peer Internet financial companies mostly use big data to credit small and micro enterprises,and because of the difficulty of collecting and sorting out the whole data of small and micro enterprises from big data resources at this stage,it is difficult to control risks well by evaluating the risk situation of small and micro enterprises based on big data.First,it is difficult to meet the individual credit needs of small and micro enterprises;second,it is easy to overdue.The"thunderstorm" events of several P2P companies in 2018 illustrate the singularity of their wind control methods.This paper mainly adopts the method of literature study and case study to illustrate the advantages and limitations of the large data wind control model by analyzing the principles and characteristics of the German IPC credit technology and the advantages and limitations of the technology and the application cases of big data in the field of Internet finance.Then,with the successful case of A Internet Finance Company applying big data and IPC credit technology,the study of its wind control mechanism shows the superiority of this wind control mode at the present stage.For small and micro enterprise lending institutions to combine their own strategic positioning,choose more in line with their own business development of wind control process for reference.The conclusion of this paper is that in order to compete for the credit resources of small and micro enterprises at this stage,the loan service institutions of small and micro enterprises should increase the allocation of online and data technology reserves as soon as possible,increase the reserve of technology,and consider the solution of cloud technology.At the same time,people-oriented to talent-oriented rapid transformation.We will increase our reserve of marketing technicians,financial technicians and risk managers.更多还原