商业银行电商客户信贷风险管理研究

Research on Credit Risk Management for E-Commerce Customers in Commercial Banks

摘要: 数字经济不断深入发展，推动电商客户群体的信贷需求持续释放。商业银行将电商客户纳入信贷服务体系具有重要价值。然而，电商客户存在轻资产、高平台依赖、财务透明度低等特征，使传统信贷风险管理框架面临显著适配困境，风险识别存在盲区、评估模型失准、贷中监控滞后与贷后处置被动等问题相互叠加。破解这些困境，需从数据共享与金融科技融合、评估体系重构、多元风险共担机制建立及全流程动态管控四个维度协同推进，方能实现电商信贷业务的可持续健康发展。

Abstract: The continuous development of the digital economy has led to a sustained release of credit demand from e-commerce customers. Integrating e-commerce customers into the credit service system is of significant value for commercial banks. E-commerce customers are characterized by light assets, high platform dependence, and low financial transparency, which presents a significant adaptation challenge to traditional credit risk management frameworks. Problems such as blind spots in risk identification, inaccurate assessment models, lagging mid-loan monitoring, and passive post-loan handling are compounded. Overcoming these challenges requires a coordinated approach across four dimensions: data sharing and integration with financial technology, reconstruction of the assessment system, establishment of a diversified risk-sharing mechanism, and dynamic full-process control. Only in this way can the sustainable and healthy development of e-commerce lending be achieved.