农户网络贷款服务模式及其创新发展
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摘要
在金融与科技深度融合的背景下,比较商业银行开展农户网络贷款业务的情况,从内涵界定、数据来源、模式推广、增信机制、风险管理等五个方面剖析当前农户网络贷款业务发展的基础性、关键性问题。研究认为,市场上现有的农户网络贷款业务尽管各有优劣,但更多是同质化竞争,差异化定位不足,竞争优势还不够突出。要紧密围绕市场需求变化,找准自身定位,建立农户网络贷款业务差异化竞争优势;转变营销理念,推动农户网络贷款与农户生活深度融合;强化科技支撑,加快农户网络贷款产品和服务创新;挖掘品牌价值,提高农户网络贷款业务社会影响力。
Under the background of the deep integration of finance and science and technology,this paper compares the situation of commercial banks in carrying out farmers' network loan business, and analyses the basic and key issues of the current development of farmers' network loan business from five aspects: definition of connotation, data sources, model promotion, credit enhancement mechanism and risk management. Which focus on its, we believes that although the existing network loan business of farmers in the market has its own advantages and disadvantages, it is more homogeneous competition, lack of differentiation positioning, and lack of prominent competitive advantages. We should closely focus on market demand changes, find their own positioning, establish the differentiation competitive advantage of farmers' network loan business; change marketing concepts, promote the in-depth integration of farmers' network loan and their lives; strengthen scientific and technological support, accelerate the innovation of farmers' network loan products and services; excavate brand value, and improve the social influence of farmers' network loan business.
Under the background of the deep integration of finance and science and technology,this paper compares the situation of commercial banks in carrying out farmers' network loan business, and analyses the basic and key issues of the current development of farmers' network loan business from five aspects: definition of connotation, data sources, model promotion, credit enhancement mechanism and risk management. Which focus on its, we believes that although the existing network loan business of farmers in the market has its own advantages and disadvantages, it is more homogeneous competition, lack of differentiation positioning, and lack of prominent competitive advantages. We should closely focus on market demand changes, find their own positioning, establish the differentiation competitive advantage of farmers' network loan business; change marketing concepts, promote the in-depth integration of farmers' network loan and their lives; strengthen scientific and technological support, accelerate the innovation of farmers' network loan products and services; excavate brand value, and improve the social influence of farmers' network loan business.
引文
[1]赵岳,谭之博.电子商务、银行信贷与中小企业融资---一个基于信息经济学的理论模型[J].经济研究,2012(7):99-112.
[2]黄绍辉,李楠.商业银行网络信贷模式与发展路径研究[J].金融论坛,2014(5):38-45.
[3]蔡昌达.互联网金融背景下的商业银行业务模式创新---以高校学生贷款为例[J].金融改革,2015(8):25-30.
[4]黄益平,王敏,傅秋子,等.以市场化、产业化和数字化策略重构中国的农村金融[J].国际经济评论,2018(3):106-124.
[5]罗兴,吴本健,马九杰.农村互联网信贷:“互联网+”的技术逻辑还是“社会网+”的社会逻辑?[J].中国农村经济,2018(8):2-16.
[6]张正平,杨舒菡.信息技术发展对中国农户贷款规模的影响---基于中介效应模型的实证检验[N].河北大学学报(哲学社会科学版),2018(2):83-91.
[7]王纬.服务三农的e贷新模式[J].中国金融,2018(17):43-45.
[8]赵忠世.对发展新时期农户贷款业务的几点思考[J].农村金融研究,2018(3):53-57.
[9]庞素琳,王石玉.社会大数据信息下农户信用借款声誉计算模型与应用[J].系统工程理论与实践,2015(4):837-846.
[10]周海登,王峰杰.用“产业链+大数据”的办法解决农业贷款难问题---浙江宁波通商银行农业贷款创新服务探索[J].中国农民合作社,2016(11):19-20.
[11]姜振水,王开栋.大数据在农户网络融资领域的应用研究[J].农村金融研究,2018(7):25-29.
[12]吕家进.发展数字普惠金融的实践与思考[J].清华金融评论,2016(12):22-25.
[13]赵云鹏.批量化农户网络融资模式创新探索[J].银行家,2017(11):126-127.
[14]叶松勤.“互联网+”供应链金融开启“三农”服务新模式---基于大丰村镇银行“三位一体”的供应链金融模式探索[J].金融教育研究,2018(5):19-32.
[2]黄绍辉,李楠.商业银行网络信贷模式与发展路径研究[J].金融论坛,2014(5):38-45.
[3]蔡昌达.互联网金融背景下的商业银行业务模式创新---以高校学生贷款为例[J].金融改革,2015(8):25-30.
[4]黄益平,王敏,傅秋子,等.以市场化、产业化和数字化策略重构中国的农村金融[J].国际经济评论,2018(3):106-124.
[5]罗兴,吴本健,马九杰.农村互联网信贷:“互联网+”的技术逻辑还是“社会网+”的社会逻辑?[J].中国农村经济,2018(8):2-16.
[6]张正平,杨舒菡.信息技术发展对中国农户贷款规模的影响---基于中介效应模型的实证检验[N].河北大学学报(哲学社会科学版),2018(2):83-91.
[7]王纬.服务三农的e贷新模式[J].中国金融,2018(17):43-45.
[8]赵忠世.对发展新时期农户贷款业务的几点思考[J].农村金融研究,2018(3):53-57.
[9]庞素琳,王石玉.社会大数据信息下农户信用借款声誉计算模型与应用[J].系统工程理论与实践,2015(4):837-846.
[10]周海登,王峰杰.用“产业链+大数据”的办法解决农业贷款难问题---浙江宁波通商银行农业贷款创新服务探索[J].中国农民合作社,2016(11):19-20.
[11]姜振水,王开栋.大数据在农户网络融资领域的应用研究[J].农村金融研究,2018(7):25-29.
[12]吕家进.发展数字普惠金融的实践与思考[J].清华金融评论,2016(12):22-25.
[13]赵云鹏.批量化农户网络融资模式创新探索[J].银行家,2017(11):126-127.
[14]叶松勤.“互联网+”供应链金融开启“三农”服务新模式---基于大丰村镇银行“三位一体”的供应链金融模式探索[J].金融教育研究,2018(5):19-32.