金融科技背景下建设银行贵阳分行信贷业务问题与对策分析

金融科技背景下建设银行贵阳分行信贷业务问题与对策分析摘要现在，我们正处于一个科技高速发展的时代。在此背景下，随着金融科技的发展，金融科技对经济的影响日益显著。大数据，区块链，云计算，人工智能等新兴前沿技术的出现对金融市场以及金融服务产生了巨大的影响。科技引领金融，创造时代财富。金融科技的出现，给建设银行贵阳分行带来了机遇，同时也给建设银行贵阳分行带来了挑战。建设银行贵阳分行的金融服务效率与质量，客户资源，同行竞争压力以及信贷业务风险是一个困难严峻的问题。本文通过对建设银行贵阳分行进行实例分析，找出了建设银行贵阳分行信货业务存在的主要问题，并结合建设银行贵阳分行的实际情况对建设银行贵阳分行银行存在的科技金融人才的缺失、数字化平台尚未构建完成、数据治理还有待改善、线上信贷业务配套制度不健全等方面提出了改进方案设计。从加强对信贷业务金融科技人才的培养、构建清晰的数字化平台、持续优化信货风控模型等三个方面提出改进建议，并为建设银行贵阳分行信贷业务经营带来借鉴。关键词：金融科技：信贷业务：金融创新AbstractNow,we are in an era of rapid technological development.In this context,with thedevelopment of fintech,the impact of fintech on the economy is increasingly significant.Theemergence of new frontier technologies such as big data,blockchain,cloud computing andartificial intelligence has had a huge impact on the financial market and financialservices.Science and technology lead finance and creates wealth of The Times.Theemergence of fintech has brought both opportunities and challenges to CCB GuiyangBranch.The financial service efficiency and quality,customer resources,peer competitionpressure and credit business risk of CCB Guiyang Branch are difficult and severe problems.Through the case analysis of Guiyang Branch of China Construction Bank,this paperfinds out the main problems existing in the credit business of Guiyang Branch of ChinaConstruction Bank,combined with the actual situation of CCB Guiyang Branch,theimprovement scheme design is proposed for the lack of scientific and financial talents,theincomplete construction of digital platform,data governance to be improved,and theimperfect supporting system of online credit business.Suggestions for improvement are putforward from three aspects:strengthening the cultivation of financial technology talents incredit business,constructing a clear digital platform and continuously optimizing the creditrisk control model,which can provide reference for the credit business operation of CCBGuiyang Branch.Keywords:Fintech;Credit business;financial innovation目录摘要.Abstract.Π绪论.4441信贷业务及金融科技概述.21.1信贷业务的含义及种类..21.2金融科技概述…。.21.2.1区块链技术的应用.21.2.2大数据分析技术的应用….31.3金融科技对信贷业务的影响..42建设银行贵阳分行信贷业务现状.62.1建设银行贵阳分行简介…62.2金融科技背景下建设银行贵阳分行信贷业务现状。.62.2.1信贷总额.62.2.2客户贷款净增加额….73金融科技背景下建设银行贵阳分行信贷业务存在的问题93.1金融科技人才的缺失..93.2数字化平台未构建完成..113.2.1统一的数字化系统未建立完成.3.2.2数据治理有待改普..123.3线上信贷业务配套制度不健全124金融科技驱动下建设银行贵阳分行信贷业务发展建议144.1加强对信贷业务金融科技人才的培养144.2构建清晰的数字化平台…144.2.1强化数据治理和安全保障.144.2.2建立有效的容错纠错机制…154.3持续优化信贷风控模型..16结论…17致谢18参考文献…19f录..20