摘要
互联网技术水平的提高在很大程度上促进了直销银行开始探索新的经营模式。一方面,互联网企业在“互联网+”概念的推动下逐步进入银行业。上中下游中小型企业为解决股权融资困难的问题关键在于采用供应链金融,汽车厂商多样化、多渠道的融资模式使得相应的股权融资企业在总资产上有更大的优势,对企业个人的信用(贷款担保)也就越高。另一方面,IT厂商不断研发大数据产品,越来越多开源大数据解决方案应用分布式框架来提升存放和测算数据库的水平。直销银行也逐步地选用分布式文件系统和分布式存储。
The improvement of Internet technology has promoted the direct selling banks to explore new business models to a large extent.On the one hand,Internet enterprises have gradually entered the banking industry driven by the concept of"Internet+".In order to solve the problem of financing difficulties,upstream and downstream smes mainly adopt supply chain finance.The larger the volume of supply chain financing,the more funds financing enterprises can obtain,and the higher credit(guarantee)core enterprises can provide.On the other hand,IT vendors continue to develop big data products,and more and more open source big data solutions use distributed architecture to enhance the ability to store and compute data.Direct banks also gradually adopt distributed file system and distributed computing.
作者
曾凡垒
ZENG Fanlei(Shanghai RDR Innovation and Entrepreneurship Training College,Shanghai 200001)
出处
《软件》
2023年第8期116-120,共5页
Software
关键词
直销银行
汽车供应链金融系统
分布式
一致性
direct selling banks
automotive supply chain finance system
distributed
consistency
