网商银行：金融科技如何助力乡村振兴？
案例编号：
CN_2023KJJR_2689
被浏览次数：
2023
案例名称：
网商银行：金融科技如何助力乡村振兴？
译名：
-
案例作者：
徐京悦、宋华、王阳雯、李焰、姜付秀、伊志宏
作者单位：
中国人民大学商学院
译者：
-
案例企业：
网商银行
行业：
信息技术产业
学科领域：
金融科技、数字化转型、其他
规模：
中小型
案例语种：
中文
案例类型：
描述型
中文关键词：
网上银行；金融科技，校级优秀案例
英文关键词：
-
中文摘要：
利用金融科技工具进行金融产品和服务的创新，实现金融普惠，是目前金融领域理论界和实践界热烈讨论的议题和积极探索的方向。网商银行在金融科技赋能农村金融领域进行了持续的创新、试错和迭代，不断拓展农村普惠金融的广度和深度。本案例描述了网商银行创新和迭代金融科技手段，赋能农村普惠金融的三个阶段：一是“旺农贷”阶段，尝试利用全线上运营、熟人推荐等方式解决成本与风控问题；二是县域普惠金融阶段，与县域政府进行大数据风控合作；三是“大山雀”系统商用阶段，用卫星遥感技术获取大农户种养数据。案例以金融科技降低金融服务成本、赋能大数据风控为主线，讨论一系列重要问题：农村金融为什么存在严重的信息不对称？能反映农户信用状况的有用信息在哪里？如何捕获和利用这些信息？大数据风控要怎么做？本案例将引导学生思考农村普惠金融、金融科技、替代数据、大数据风控等核心概念和知识点。通过案例讨论，使学生获得对金融科技赋能大数据风控过程的全面理解，能够运用理论分析农村金融所遇到的挑战，并在实践中提出创新性的解决方案。
英文摘要：
The use of fintec tools to innovate financial products and services and achieve financial inclusion is currently a hot topic and an active direction of exploration in the financial field. Mybank has carried out continuous innovation, trial and error and iteration in the field of fintech empowering rural finance, and continuously expanded the breadth and depth of rural inclusive finance. This case describes three stages of the innovation and iteration of financial technology means of Mybank to empower rural inclusive finance: First, the \"Wangnongdai\" stage, trying to solve the cost and risk control problems by means of full-online operation and acquaintance recommendation; Second, in the stage of county-level inclusive finance, cooperate with county governments on big data risk control; The third is the commercial phase of the \"Great Tit\" system, which uses satellite remote sensing technology to obtain breeding data of large farmers. The case takes financial technology to reduce the cost of financial services and enable big data risk control as the main line, and discusses a series of important questions: Why does rural finance have serious information asymmetry? Where is the useful information to reflect the credit status of farmers? How can this information be captured and utilized? How to do big data risk control? This case will guide students to think about core concepts and knowledge points such as rural inclusive finance, financial technology, alternative data, and big data risk control. Through case discussions, students can gain a comprehensive understanding of the risk control process of big data enabled by financial technology, apply theories to analyze the challenges encountered by rural finance, and propose innovative solutions in practice.
适用对象：
本科；专硕；高管培训
编写方式：
采编
开发时间：
2021
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