MYbank: How Financial Technology Empowers China Rural Revitalization?
案例编号：
EN_2026KJJR_7622
被浏览次数：
45
案例名称：
MYbank: How Financial Technology Empowers China Rural Revitalization?
译名：
MYbank: How Financial Technology Empowers China Rural Revitalization?
案例作者：
Xu Jingyue, Wang Yangwen, Yi Zhihong, Song Hua
作者单位：
Renmin University of China
译者：
-
案例企业：
网商银行MYbank
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：
英文
案例类型：
描述型
中文关键词：
网商银行，金融科技
英文关键词：
Mybank, Fintech
中文摘要：
-
英文摘要：
The case follows the development of MYbank, one of the first private banks and the first fintech bank to have its core banking system in China financial cloud. Patronized by the Ant Group, MYbank, as a fully online bank with no offline branches or a head office, inherited the genes of Alifinance. It maintained a business model centered on “little deposits” and “small personal loans”. It was committed to meeting the financing needs of small, medium, and micro-enterprises, individual businesses, and rural households. From the beginning of its journey, MYbank has engaged in sustained innovation of fintech in rural inclusive finance, continuously expanding its operations scope and depth.
This case outlines three stages of MYbanks fintech innovation journey in rural inclusive finance. Firstly, the Flourishing Farmer Loan stage, exploring cost and risk control solutions through digital operations and social referrals; Second, the County-level inclusive finance stage, establishing big data risk control partnerships with county governments; Third, the Tomtit program stage; employing satellite remote sensing technology to collect large-scale agricultural data.
This case examines critical issues through the lens of cost reduction via fintech and big data risk control enablement: What causes significant information asymmetry in rural finance? Where are valuable data on farmer creditworthiness located? How can such data be captured and leveraged? How should big data risk control be implemented?
适用对象：
MBA|EMBA|高管培训
编写方式：
采编
开发时间：
2023
入库时间：
2026
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