The change of digital finance to bank loans

Digital transformation is fundamental, long-term and hidden for banks. Therefore, the digital transformation has further upgraded the bank's risk control requirements for loans, making it easier and faster for users to approve the loan business on the bank Internet.

What is the essence of enterprise digital finance?

Fundamentally speaking, digital transformation is a process of deep integration of industries, which integrates digital technology with industries and scenarios to directly create value for end customers. For example, if agriculture, manufacturing, logistics and other scenes are connected with finance, the future market space will be very broad, and the two sides will deepen cooperation around the scenes. For financial technology enterprises, its essence is finance. Facing the rapidity, complexity and uncertainty brought by the digital wave, the choice of digital strategy will be very important for enterprises to cope with risks and seize opportunities. Digital transformation is the synchronous transformation of business and technology, and the ultimate goal is to promote business transformation through digitalization.

What is the future development trend of digital finance?

Digital finance will become a new trend of industrial digitalization development. With the blessing of technology cornerstones such as cloud computing, big data, artificial intelligence, blockchain and 5G, the future of financial technology will be digital, intelligent and industrialized. Xue, vice president of Tsinghua University Institute of Financial Science and Technology, said that it is noteworthy that artificial intelligence has been practiced in the digital face-to-face examination and digital finance practitioners in the financial field.

What is the prospect of digital finance in China?

China has already had extensive infrastructure in digital finance, but there is still the problem of uneven development. Especially in personnel training, financial institutions pay more attention to digital finance and increase investment in technology and innovation, so the demand for talents in digital finance will increase. The data shows that as early as 20 18, the investment of banks in information technology professionals increased by 10%, and the number of private enterprises increased. Although the demand of various financial institutions for talents is increasing day by day, and the competition in the digital finance professional talent market is also increasing day by day, the requirements of various institutions for the quality of talents are still very high.