Internet loan is defined as: commercial banks use the Internet and mobile communication information and communication technology, based on risk data and risk model cross-validation and risk management, online automatically accept loan applications and risk assessment, complete credit approval, contract signing, loan payment, Loan management and other core business links, providing personal loans and working capital loans whatsminer m30s++ for sale. "

Internet loan has the following characteristics: relying on big data and models for risk assessment, the entire process of online automatic operation, no labor or little human intervention, fast loan approval and other features; it has played a positive role in improving loan efficiency, Innovate risk assessment methods to expand the coverage of financial customers.

The normative requirements of commercial banks' Internet loans for loan assistance platforms

At present, commercial banks cooperate with third-party institutions to carry out Internet loan business in various ways. To a certain extent, effective and standardized cooperation is conducive to the complementary advantages of each institution and improves the efficiency of each institution. However, some banks have relatively extensive management of cooperative institutions, such as failure to establish a unified management system, defects in the qualifications of cooperative institutions, and continuous insufficient management of cooperative institutions, resulting in 還卡數.

In order to guide the prudent cooperation between commercial banks and cooperative institutions and prevent the risk of cooperative institutions from being passed on to the bank, commercial banks need to establish a systematic management mechanism for the whole process from admission to exit, and improve their fine management capabilities.

First of all, commercial banks should establish a unified access mechanism for various cooperative institutions throughout the bank and implement hierarchical management. Commercial banks shall evaluate cooperative institutions in terms of business conditions, management capabilities, and risk control levels, etc., before admission, and the qualifications of cooperative institutions shall match their functions.

Second, in the written cooperation agreement signed between the commercial bank and the cooperative institution, the scope of cooperation, business process, rights and responsibilities of all parties, risk sharing, protection of customer rights and interests, etc. are clearly defined. The cooperation agreement should reflect the principle of 貸款計算機.

Third, commercial banks should fully disclose to borrowers their rights and obligations with cooperating institutions, cooperating products, and parties to avoid mixing of customers' brands. Fourth, commercial banks should continue to manage cooperative institutions and conduct face-to-face assessments on a regular basis; if they find that cooperative institutions cannot continue to meet the access conditions, they should terminate the cooperative relationship in a timely manner.

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