阿里信贷模式对商业银行的借鉴作用分析

阿里信贷模式对商业银行的借鉴作用分析(论文9000字)
摘    要
   近年来，伴随着我国网络的普及与消费方式的巨大变化，以阿里巴巴为代表的电子商务得到了迅速的发展。阿里信贷模式在这样的时代背景下诞生并取得了飞速的发展。阿里信贷模式是在阿里巴巴集团的各种平台下累计下俩的巨量的商户真实数据、交易数据以及信用数据为基础的。这一信贷模式下能够有效解决当前中小企业规模小、缺少担保以及信息无法对称等问题。由于网络的便捷化，更简化的小型企业融资环节，为小型企业提供全天候金融服务，同时使大批量服务成为现实，符合我国当前小企业数量庞大，需求旺盛的特点。当然，阿里信贷模式由于其便捷性的服务特点，吸引了大量的中小企业，给当前的商业银行带来一定冲击的同时也有着发展的借鉴作用。笔者希望通过对阿里信贷模式的分析，促进我国商业银行更加平稳有序的发展，在电子商务时代能够有更好的金融服务产品与理念来促进经济和金融的双赢发展。
关键词：阿里信贷；商业银行；借鉴作用

Abstract
   In recent years, accompanied by dramatic changes in consumption patterns and popularity of the network, represented by Alibaba e-commerce has been rapid development. Ali was born and credit model has achieved rapid development in this background . Ali credit model is under Alibaba Group 's various platforms accumulated a massive amount of business the next two real data , transaction data and credit data based . Under this credit model can effectively resolve the current small size of SMEs , the lack of security and other issues , and information can not be symmetrical . As the network of convenient, more streamlined aspects of small business financing for small businesses providing financial services around the clock , while large quantities of service to become a reality, in line with the large number of small businesses in our country , strong demand characteristics. Of course , Ali credit model due to its ease of service features , attracting a large number of SMEs , given the current commercial banks but also has a certain impact on the development of reference . I hope that through the analysis of Ali credit model , and promote China's commercial banks more stable and orderly development in the age of electronic commerce can have a better idea of financial products and services to promote win-win economic and financial development .

[资料来源：http://www.doc163.com]

Keywords : Ali credit ; commercial banking ; reference

目   录
目   录    1
摘    要    2
Abstract    2
引言    3
1阿里信贷模式    4
1.1阿里信贷产生的背景    4
1.2 阿里信贷模式与商业银行的关系    5
1.3阿里信贷的特点    5
1.4阿里信贷市场的规模    5
1.5阿里信贷的风险控制    6
2产品服务特色分析    6
2.1时间短    6
2.2无抵押、无质押    7
2.3互联网信贷创新    7
2.4年息20%以上    7
2.5微贷模式创新    7
3阿里信贷优劣势分析    8
3.1优势    8
3.1.2排他性的电商数据    8
3.1.3信用网络客户    8
3.1.4完整的风险控制    8 [资料来源：http://doc163.com]
4阿里信贷对银行产生的影响    9
4.1针对的客户层面    9
4.2供应链金融    9
4.2.1阿里金融与供应链的比较优势    9
4.2.2阿里金融无法对供应链金融造成大的影响    10
4.2.3注册资本与贷款额度    10
4.2.4对城市银行及中小银行的冲击    10
5阿里金融对银行的借鉴    10
5.1加大数据仓库基础平台建设    10
5.2信息技术应并不断完善    11
5.3加强客户信息的管理    11
5.4逐步发展网络信贷模式    11
结    论    12
参考文献    12
致    谢    13