“互联网+”背景下另类数据在银行贷款风险管理中的应用研究

Research on the Application of Alternative Data in Bank Loan Risk Management under the Background of “Internet+”

摘要: 随着信息技术与大数据技术的发展，另类数据的处理与使用为银行贷款风险管理提供了新的分析角度。本文在大数据技术和“互联网+”的背景下，研究另类数据应用于银行贷款风险管理的必要性，并且根据对于另类数据应用的有利条件和制约因素的分析，提出将另类数据应用于贷款风险管理的针对性措施，从而推动另类数据在银行业的应用，达到降低贷款风险、发展普惠金融的目的。

Abstract: With the development of information technology and big data technology, the processing and use of alternative data provides new analysis methods for bank loan risk management. Under the background of big data technology and “Internet+”, this article studies the necessity of applying alternative data to bank loan risk management, and based on the analysis of the advantages and constraints of alternative data application, proposes targeted measures to apply alternative data to loan risk management in order to promote its application in banking industry, reduce loan risks and develop inclusive finance.