交通银行行长张宝江:依托数字技术解决传统普惠贷款“不可能三角”难题

南方财经网
Jun 18

  据人民财讯,主题为“提高普惠金融的有效性与精准度”的2026陆家嘴论坛全体大会七6月18日举行。交通银行行长张宝江表示,小微企业的风控问题很难回避,需要依托数据赋能来解决。传统普惠贷款有一个“不可能三角”,可得性、低成本和高质量三者不可兼得。对接客户需求时,成本非常高,如果好好对接、好好调查,成本很高;如果潦草地做,风险控不住。不管是成本高还是风险控不住,最终都会影响可得性。通过数字技术,有可能解决这个问题。

(文章来源:南方财经网)

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