对于中国的银行业而言,大数据已经不仅仅是一个时髦的技术名词,而已落地为实实在在的服务。杭州犸凯奴户外用品有限公司财务总监周伟对此感触颇深。这家电商企业在天猫、京东等平台的销售额一年达到7000万元,却由于缺乏固定资产,以传统的抵质押方式难以获得银行融资。而银行的大数据信贷产品,为这样的轻资产企业打开了一扇融资的窗口。 For China’s banking sector, big data has become more than just a buzzword of technology, but has become a real service. Zhou Wei, chief financial officer of Hangzhou Ma Kai Nu Outdoor Products Co., Ltd., had a deep feeling. The e-commerce business in Tmall, Jingdong and other platform sales reached 70 million yuan a year, but because of the lack of fixed assets, the traditional collateral pledges difficult access to bank financing. The bank’s big data credit products have opened up a financing window for such light asset companies.