作者中原银行零售信贷与信用卡部 任慧敏 李瑷汝 刘俊俊在信用卡业务增速放缓、盈利空间持续收窄的当下，原有的风控模式已难以适应新的市场环境。过去依赖于单一指标和专家经验的风控体系，虽然落地便捷、拦截明确，但容易导致具有潜力的优质客户因不符合单一规则而被拒之门外。市场环境的深刻变化，推动风控理念从传统的“风险控制”向更系统、更前瞻的“风险运营”转变。在“风险运营”目标下，风控的核心目标升级为“在精确...
Source Link作者中原银行零售信贷与信用卡部 任慧敏 李瑷汝 刘俊俊在信用卡业务增速放缓、盈利空间持续收窄的当下，原有的风控模式已难以适应新的市场环境。过去依赖于单一指标和专家经验的风控体系，虽然落地便捷、拦截明确，但容易导致具有潜力的优质客户因不符合单一规则而被拒之门外。市场环境的深刻变化，推动风控理念从传统的“风险控制”向更系统、更前瞻的“风险运营”转变。在“风险运营”目标下，风控的核心目标升级为“在精确...
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