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大数据环境背景下“小微贷”金融服务获得较为快速的发展,使金融脱媒与利率市场化背景下的商业银行传统信贷模式有着较大的改变。本文对大数据背景下商业银行小微贷业务竞争中面临的难题进行简要分析,并探析商业银行小微贷的竞争策略,旨在加快商业银行小微贷业务的快速发展。
In the background of big data environment, the financial services of “micro-credit” have been developed more rapidly, and the traditional credit models of commercial banks under the circumstances of financial disintermediation and interest rate liberalization have been greatly changed. This article briefly analyzes the problems in the competition of small and micro loans for commercial banks in the context of big data and analyzes the competition strategies of small and micro loans in commercial banks in order to speed up the rapid development of small and micro loans for commercial banks.