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.
引文
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