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一家企业申请一笔900万的抵押贷款,仅从评审报告上看,该企业没有任何不良记录,是银行的贵宾客户。但是,通过查询工商、行政、海关等数据,发现该企业交易多为高风险领域的投资和民间借贷,这是导致企业资金链紧张的真正原因,银行的评审经理由此警惕并最终拒绝了这笔贷款。中国民生银行小微金融部副总经理徐捷通过这个实例说明了一个道理,即大数据对控制小微企业贷款风险的重要作用开始显现。
A business application for a 9 million mortgage loan, only from the review report, the company did not have any bad record, is the bank’s VIP customers. However, by querying business, administration, customs and other data, it was found that most of the transactions of the enterprise were investment in high-risk areas and private lending, which was the real reason that led to the strain on the capital chain of the enterprises. Therefore, the bank’s review managers were vigilant and eventually rejected this Pen loan. Xu Jie, deputy general manager of China Minsheng Bank Micro Finance Department, explained the truth through this example that the important role of big data in controlling the risk of loans to small and micro enterprises began to emerge.