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日前,某网络媒体刊登了一篇报道:《银行颤抖吧,阿里信用贷款即将面向阿里巴巴普通会员全面放开》。此报道一出,立即引起众多银行从业人员和行业研究人士高度关注。多数人认为,阿里信贷将对银行未来的授信模式产生重大冲击,并有证券研究员认为,阿里信贷基于企业经营数据和现金流的风险管理技术,优于在银行界大行其道的供应链金融。尽管随后阿里方面对报道内容进行了纠正,说明阿里信贷目前只向江、
Recently, a network media published a story: “Trembling banks, ali credit loans will soon be fully liberalized for ordinary members of Alibaba.” This report came out immediately aroused the attention of many bank practitioners and industry researchers. Most believe Ali Credit will have a major impact on the future creditworthiness of banks and securities analysts believe that Ali Credit is better than risk management techniques based on business data and cash flow over supply chain finance, which is popular in the banking sector. Although Ali then corrected the contents of the report, indicating that the current credit to Ali River,