论文部分内容阅读
商业银行发展网络贷款是挖掘新的市场需求和新的业务增长点,是提前布局并积极培育未来信贷市场的重要手段。然而,网络贷款交易行为和交易市场电子化、网络化,不同于传统的资产抵质押贷款风险分类和缓释手段,使其面临欺诈、借贷无效等法律风险。对此,本文提出商业银行发展网络贷款应以开放的姿态进行大数据建设,做实网络贷款主体信用,建立和完善电子档案管理和身份认证机制,规范网络贷款交易,从而真正实现网络贷款可持续、健康、快速发展。
The development of online loans by commercial banks is to tap new market demands and new business growth points, and is an important means for early layout and actively cultivating future credit markets. However, the online loan transactions and the electronic market transactions, unlike the traditional asset-backed pledged loan risk classification and slow release means that it faces fraud, lending invalid and other legal risks. In this regard, this paper proposes that commercial banks should adopt an open attitude in big data construction, make the credit of the main network loan, establish and improve the electronic file management and identity authentication mechanism, standardize the online loan transactions so as to truly achieve the sustainable development of online loans Healthy and rapid development.