I 摘要 当今随着互联网时代的快速发展，互联网金融已从最初的第三方支付业务向 信贷、风控、大数据等领域纵深扩张，金融科技在现代金融体系中发挥着越来越 关键的作用。互联网金融通过与传统金融体系错位竞争，建立起了一套区别于银 行账户的新型金融服务体系，改变了传统金融服务供给形态与供给模式，拓展了 传统金融市场的宽度。此外，互联网金融也同时让金融服务真正普惠化，金融服 务可以不受地域、时间、职业好坏、收入高低、资产多少等因素的限制，让普通 人也能享受触手可及的金融服务。显然，互联网金融的发展也打破了银行提供融 资服务的垄断地位，对于商业银行传统个人信贷业务产生了巨大的冲击。 本文首先对互联网金融模式下的商业银行个人信贷业务转型理论进行分析， 简述了商业银行个人信贷业务及互联网金融的发展态势,通过案例及数据分析来论 证商业银行传统个人信贷在互联网金融模式下的成本、效益、风控比较，论证转 型的必要行与可行性。其次，本文将以CDSN银行为例，简述CDSN银行的基本 情况，对CDSN银行个人信贷业务概况、结构、特点进行深入分析；并从面临的 发展机遇与挑战两方面阐述转型动机；最后，从转型历程、产品转型、风控转型、 科技转型、组织架构等方面对CDSN银行个人信贷业务的互联网金融转型进行分 析，同时也将探讨转型中遇到的问题与瓶颈，以及转型中的合理化建议。本文也 将为更多的传统商业银行在互联网金融模式下的个人信贷业务转型，提供参考、 借鉴与反思。 本文认为，在互联网金融的大背景下，商业银行个人信贷业务转型迫在眉睫， 这既是市场激烈竞争下的被动应战，也是自我革新的主动转型。从转型的思路看， 转型早已不是简单的优化升级，而是思维的重构与技术的迭代。从转型的方向上 看，传统商业银行在转型方向上应以传统信贷线上化与线上技术向线下业务赋能 两种路径相结合，才能真正实现业务转型，赢得市场与客户。此外，业务转型从 根本上看是体系的全面转型，决策机制、组织架构、科技力量等配套体系需要同 时转型，才能保证业务转型的成功。 关键词：互联网金融、商业银行、个人信贷、大数据、转型 ABSTRACT II ABSTRACT WiththerapiddevelopmentoftheInternetera,Internetfinancehasexpandedfrom theinitialthird-partypaymentbusinesstocredit,riskcontrol,bigdataandotherfields indepth.Financialtechnologyplaysanincreasinglycriticalroleinthemodernfinancial system.Throughthedislocationcompetitionwiththetraditionalfinancialsystem, Internetfinancehasestablishedanewfinancialservicesystemwhichisdifferentfrom thebankaccount,changedthesupplypatternandmodeofthetraditionalfinancial service,andexpandedthewidthofthetraditionalfinancialmarket.Inaddition,Internet financealsomakesfinancialservicestrulyinclusive.Financialservicescannotbe limitedbygeographical,time,career,income,assetandotherfactors,sothatordinary peoplecanalsoenjoyaccessiblefinancialservices.Obviously,thedevelopmentof Internetfinancehasalsobrokenthemonopolypositionthatbanksprovidefinancing services,whichhasahugeimpactonthetraditionalpersonalcreditbusinessof commercialbanks. Thispaperfirstanalyzesthetheoryofpersonalcreditbusinesstransformationof commercialbanksundertheInternetfinancialmodel,brieflydescribesthedevelopment trendofpersonalcreditbusinessandInternetfinanceofcommercialbanks, demonstratesthecost,benefitandriskcontrolcomparisonoftraditionalpersonalcredit ofcommercialbanksundertheInternetfinancialmodelthroughcaseanddataanalysis, anddemonstratesthenecessityandfeasibilityoftransformation.Secondly,thispaper willtakeCDSNbankasanexample,brieflydescribethebasicsituationofCDSNbank, makeanin-depthanalysisontheprofile,structureandcharacteristicsofpersonalcredit businessofCDSNbank,andelaboratethetransformationmotivationfromthe developmentopportunitiesandchallengesfaced;finally,fromthetransformation process,producttransformation,riskcontroltransformation,technologytransformation, organizationalstructureandotheraspectsoftheinterconnectionofpersonalcredit businessofCDSNbankThispaperanalyzesthetransformationofonlinefinance,and discussestheproblemsandbottlenecksencounteredinthetransformation,aswellasthe rationalizationsuggestionsinthetransformation.Thispaperwillalsoprovidereference, referenceandreflectionformoretraditionalcommercialbanksinthetransformationof personalcreditbusinessundertheInternetfinancemode. ABSTRACT III ThispaperarguesthatinthecontextofInternetfinance,thetransformationof personalcreditbusinessofcommercialbanksisimminent,whichisnotonlyapassive responsetofiercemarketcompetition,butalsoanactivetransformationofself innovation.Fromtheperspectiveoftransformation,transformationhaslongbeennota simpleoptimizationandupgrading,butareconstructionofthinkingandaniterationof technology.Fromtheperspectiveoftransformationdirection,traditionalcommercial banksshouldcombinetraditionalcreditonlineandonlinetechnologytoofflinebusiness empowermentinthetransformationdirection,soastotrulyrealizebusiness transformationandwinmarketandcustomers.Inaddition,businesstransformationis fundamentallyacomprehensivetransformationofthesystem.Supportingsystemssuch asdecision-makingmechanism,organizationalstructure,andscientificand technologicalforcesneedtobetransformedatthesametimetoensurethesuccessof businesstransformation. Keywords:InternetfinancecommercialbankPersonalCreditBigdata Transformation 目录 IV 目录 摘要...............................................................................................................................I ABSTRACT.........................................................................................................................II 目录.............................................................................................................................IV 第一章绪论.....................................................................................................................1 1.1研究的背景及意义.............................................................................................1 1.1.1研究背景...................................................................................................1 1.1.2研究意义...................................................................................................1 1.2国内外研究现状.................................................................................................2 1.2.1互联网金融定义.......................................................................................2 1.2.2互联网金融的发展历程...........................................................................3 1.2.3互联网金融对传统金融的影响...............................................................3 1.2.4互联网金融模式下商业银行业务应对策略研究现状...........................4 1.3研究思路及内容.................................................................................................4 1.4研究方法.............................................................................................................5 第二章互联网金融模式下商业银行个人信贷业务转型理论分析.............................6 2.1商业银行个人信贷业务综述.............................................................................6 2.1.1商业银行个人信贷业务产品综述...........................................................6 2.1.2商业银行个人信贷业务操作流程...........................................................7 2.1.3商业银行个人信贷业务信贷风险因素...................................................8 2.1.4商业银行个人信贷业务风控模式...........................................................9 2.2互联网金融模式的简述...................................................................................10 2.2.1互联网金融的兴起与发展.....................................................................10 2.2.2互联网金融发展模式简介.....................................................................11 2.2.3互联网金融模式下的信贷风险控制.....................................................12 2.3互联网金融模式下商业银行个人信贷业务的发展模式分析.......................13 2.4信贷传统风控模式与大数据风控模式比较...................................................15 第三章CDSN银行个人信贷业务的现状......................................................................16 3.1CDSN银行基本情况.........................................................................................16 3.2CDSN银行个人贷款业务基本情况.................................................................16 3.2.1个人贷款余额趋势变化...............