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本文首先分析了网络信贷业务发展背景,指出在互联网经济持续快速发展的背景下,普惠金融发展需求、互联网金融业务普及是网络信贷业务快速发展的优质土壤。其次,本文对网络信贷的四大业务模式,即网络贷款、网络供应链金融、P2P平台和大数据信贷进行详细分析,并指出网络信贷业务发展的限制因素。最后,分析网络信贷监管现状、介绍网络信贷业务发展现状,并就商业银行应当如何应对网络信贷业务发展提出建议。
This paper first analyzes the background of the development of internet credit business and points out that under the background of sustained and rapid development of Internet economy, the development needs of inclusive financial services and the popularity of internet finance business are the high quality soil for the rapid development of online credit business. Secondly, this article analyzes in detail the four major business models of online credit, namely online loans, online supply chain finance, P2P platforms and big data credit, and points out the limiting factors in the development of online credit business. Finally, the status quo of online credit supervision is analyzed, the status quo of the development of online credit business is introduced, and suggestions are made on how commercial banks should respond to the development of online credit business.