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随着普惠金融在国内大力发展,相关的配套建设包括征信体系、风险管理等,逐渐成为金融机构业务发展中重要的组成部分。本文分析了国内外信贷工厂案例,并展望了信贷工厂的未来。在风险管理领域,信贷工厂这一流程模式,在海外经历多年的实践后,逐渐发展成一套成熟的体系,从流程化的信贷工厂1.0升级至智能化的2.0模式(信贷工场),目前,信
As Pratt & Whitney Finance develops vigorously in China, related supporting construction including credit information system and risk management have gradually become an important part of the business development of financial institutions. This article analyzes the cases of credit factories both at home and abroad and looks forward to the future of credit factories. In the field of risk management, the credit factory is a process model that, after years of overseas experience, has evolved into a well-established system that has been upgraded from a process-based credit factory to an intelligent 2.0 model (credit workshop). Currently,