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友信金服CFO王海琛:新兴金融科技平台将形成对普惠信贷的支持

来源: 南方日报网络版     时间: 2019年08月26日 02:17:58
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(原)(标)(题)(:友)(信)(金)(服)(CFO王)(海)(琛)(:新)(兴)(金)(融)(科)(技)(平)(台)(将)(形)(成)(对)(普)(惠)(信)(贷)(的)(支)(持)(
12月)(25日)(,中)(国)(社)(会)(科)(学)(院)(国)(家)(金)(融)(与)(发)(展)(实)(验)(室)(和)(金)(融)(科)(技)(企)(业)(友)(信)(金)(服)(在)(京)(联)(合)(发)(布)(《中)(国)(个)(人)(融)(资)(四)(十)(年)(发)(展)(与)(创)(新)(报)(告)(》(以)(下)(简)(称)(《报)(告)(》)。《报)(告)(》剖)(析)(了)(改)(革)(开)(放)(40年)(来)(,中)(国)(个)(人)(融)(资)(从)(无)(到)(有)(、从)(小)(到)(大)(、从)(单)(一)(到)(多)(元)(等)(一)(系)(列)(重)(要)(创)(新)(与)(变)(革)(发)(展)(历)(程)(。
在)(《报)(告)(》发)(布)(会)(上)(,友)(信)(金)(服)(CFO王)(海)(琛)(表)(示)(,改)(革)(开)(放)(后)(,我)(国)(个)(人)(金)(融)(资)(产)(在)(总)(量)(方)(面)(实)(现)(大)(幅)(增)(长)(,结)(构)(也)(从)(单)(一)(逐)(步)(多)(元)(化)(,个)(人)(财)(富)(积)(累)(与)(资)(产)(选)(择)(多)(样)(性)(的)(增)(加)(,不)(仅)(使)(得)(个)(人)(在)(市)(场)(微)(观)(金)(融)(活)(动)(中)(逐)(渐)(变)(得)(重)(要)(,个)(人)(融)(资)(市)(场)(也)(开)(始)(从)(无)(到)(有)(、从)(小)(到)(大)(,开)(启)(了)(数)(十)(年)(持)(续)(高)(速)(发)(展)(的)(历)(程)(。
根)(据)(最)(终)(用)(途)(,个)(人)(融)(资)(可)(以)(分)(为)(个)(人)(经)(营)(性)(融)(资)(和)(个)(人)(消)(费)(性)(融)(资)(。王)(海)(琛)(表)(示)(,友)(信)(金)(服)(自)(成)(立)(以)(来)(,持)(续)(服)(务)(小)(微)(企)(业)(主)(的)(个)(人)(经)(营)(性)(融)(资)(需)(求)(,为)(这)(些)(社)(会)(经)(济)(中)(最)(活)(跃)(的)(因)(子)(的)(发)(展)(助)(力)(,为)(他)(们)(创)(造)(新)(的)(社)(会)(价)(值)(助)(力)(。
小)(微)(企)(业)(是)(国)(民)(经)(济)(的)(重)(要)(组)(成)(部)(分)(,但)(长)(期)(面)(临)(贷)(款)(难)(的)(问)(题)(。《报)(告)(》指)(出)(,小)(微)(企)(业)(缺)(乏)(信)(用)(历)(史)(、可)(供)(抵)(押)(担)(保)(的)(资)(产)(以)(及)(规)(范)(化)(的)(财)(务)(信)(息)(,致)(使)(金)(融)(机)(构)(在)(服)(务)(小)(微)(企)(业)(时)(存)(在)(信)(用)(难)(评)(估)(、贷)(款)(难)(发)(放)(的)(情)(况)(。正)(因)(如)(此)(,小)(微)(企)(业)(在)(融)(资)(过)(程)(中)(不)(得)(不)(需)(要)(以)(个)(人)(信)(用)(为)(补)(充)(才)(能)(获)(得)(足)(够)(的)(资)(金)(,甚)(至)(只)(能)(依)(赖)(于)(小)(微)(企)(业)(主)(的)(个)(人)(信)(用)(才)(能)(获)(得)(融)(资)(。
王)(海)(琛)(介)(绍)(,友)(信)(金)(服)(通)(过)(持)(续)(的)(数)(据)(挖)(掘)(与)(风)(险)(管)(理)(实)(践)(,将)(其)(中)(信)(用)(良)(好)(的)(一)(部)(分)(人)(筛)(选)(出)(来)(,并)(为)(他)(们)(提)(供)(了)(低)(于)(他)(们)(在)(其)(他)(渠)(道)(的)(贷)(款)(成)(本)(。更)(低)(的)(资)(金)(成)(本)(,提)(高)(了)(这)(些)(企)(业)(的)(存)(活)(率)(,从)(而)(进)(一)(步)(提)(高)(了)(社)(会)(的)(就)(业)(,养)(活)(了)(更)(多)(的)(家)(庭)(。这)(样)(的)(金)(融)(业)(务)(有)(着)(很)(大)(的)(正)(外)(部)(性)(,对)(社)(会)(带)(来)(的)(总)(价)(值)(,不)(仅)(仅)(是)(业)(务)(本)(身)(的)(利)(润)(所)(能)(够)(简)(单)(衡)(量)(的)(。
《报)(告)(》测)(算)(数)(据)(显)(示)(,2018年)(,全)(国)(P2P网)(贷)(对)(个)(人)(经)(营)(性)(融)(资)(的)(供)(给)(余)(额)(已)(经)(达)(到)(2873亿)(元)(,而)(在)(2011年)(时)(,这)(一)(数)(字)(仅)(仅)(是)(4亿)(元)(。友)(信)(金)(服)(旗)(下)(P2P网)(贷)(平)(台)(人)(人)(贷)(的)(运)(营)(情)(况)(与)(行)(业)(整)(体)(趋)(势)(一)(致)(,其)(年)(度)(累)(计)(成)(交)(金)(额)(从)(2011年)(的)(0.4亿)(元)(增)(长)(至)(2018年)(11月)(的)(745.14亿)(元)(。
与)(此)(同)(时)(,我)(国)(个)(人)(经)(营)(性)(融)(资)(的)(供)(给)(余)(额)(从)(1978年)(的)(近)(153亿)(元)(,一)(路)(增)(长)(至)(2018年)(的)(约)(15.6万)(亿)(元)(。
王)(海)(琛)(认)(为)(,经)(过)(40年)(的)(发)(展)(,个)(人)(经)(营)(性)(融)(资)(已)(经)(形)(成)(传)(统)(金)(融)(机)(构)(和)(新)(兴)(金)(融)(业)(态)(优)(势)(互)(补)(的)(多)(元)(化)(融)(资)(格)(局)(,并)(且)(在)(未)(来)(,新)(兴)(金)(融)(科)(技)(平)(台)(会)(和)(传)(统)(金)(融)(机)(构)(产)(生)(更)(多)(的)(合)(作)(关)(系)(,在)(助)(力)(传)(统)(金)(融)(机)(构)(发)(挥)(普)(惠)(信)(贷)(主)(力)(军)(作)(用)(上)(提)(供)(支)(持)(。他)(介)(绍)(,目)(前)(友)(信)(金)(服)(已)(经)(在)(和)(包)(括)(新)(网)(银)(行)(在)(内)(的)(多)(家)(银)(行)(开)(展)(战)(略)(合)(作)(。返)(回)(搜)(狐)(,查)(看)(更)(多)(
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