电商小贷信用风险控制问题探究——以阿里小贷为例摘 要促使传统金融业努力变革和创新与现阶段互联网的迅速发展息息相关，在金融行业的发展历程中，各类的金融风险也逐渐暴露出来，其中的信用风险尤为值得关注。在这样的背景下，对电商小贷信用风险控制问题的研究中，选择了目前发展最大的、最有代表性的阿里小贷进行分析。先梳理国内外众多学者关于对当今互联网金融和由此产生的各类金融风险的态度和看法，论述了电商小贷的目前的信贷业务发展现状和信贷业务的类型。随后从信贷过程中的三个时间维度对阿里小贷信用风险控制机制进行了探究，以便寻找阿里小贷信用风险的表现和具体形成的原因。紧接着经过对比分析，指出阿里小贷的不足以及需要创新之处，并且理论与实践相结合，不仅介绍了信用评分法的操作原理，而且还对阿里小贷中的一个业务案例进行了评分操作以及对实例进行了分析验证，并由此得到相应的结论。最终在得到初步研究成果的前提上，提出了几点对策建议用以提升阿里小贷信用风险控制方面的问题。 关键词：电商小贷；互联网金融；阿里小贷；信用风险控制 ABSTRACTPromoting the reform and innovation of the traditional financial industry is closely related to the rapid development of the Internet at this stage. In the development of the financial industry, various types of financial risks are gradually exposed, and the credit risk is particularly worthy of attention. In this context, in the study of the credit risk control problem of e-commerce small loans, the analysis of the largest and most representative Ali small loan is selected. Firstly, we will sort out the attitudes and opinions of many scholars at home and abroad on the current Internet finance and the various types of financial risks arising therefrom, and discuss the current status of credit business development and the types of credit business of e-commerce small loans. Then, from three time dimensions in the credit process, the credit risk control mechanism of Ali Small Loan was explored in order to find out the performan...
