近年來(lái)，隨著城市化和經(jīng)濟(jì)發(fā)展的不斷推進(jìn)，越來(lái)越多的金融機(jī)構(gòu)開始意識(shí)到將金融服務(wù)延伸至社區(qū)居民之中的重要性。在這一背景下，“小額貸款、理財(cái)咨詢、數(shù)字支付”等各種形式的金融服務(wù)正在逐步走入人們生活。

**改善普通百姓日常生活**

對(duì)于很多住在偏遠(yuǎn)地區(qū)或者是基層社區(qū)里面困難家庭而言, 他們平時(shí)需要借錢周轉(zhuǎn)卻因?yàn)闆]有合適渠道無(wú)法得到及時(shí)幫助；同時(shí)也有部分老年群體由于文盲程度高, 對(duì)傳統(tǒng)銀行系統(tǒng)并不熟悉。如今，在一些大型商業(yè)銀行以及互聯(lián)網(wǎng)科技公司紛紛加大力度向社區(qū)派駐工作人員開設(shè)營(yíng)業(yè)點(diǎn)，并提供線上線下結(jié)合使用方式，使得原本就處境邊緣位置上個(gè)體能夠方便快速獲取所需金額。

此外，還有專門致力于“三農(nóng)”領(lǐng)域扶貧攻堅(jiān)任務(wù)完成率比例相當(dāng)高企事實(shí)證明了給予該類對(duì)象微觀信用補(bǔ)充確實(shí)具備顯見效果; 同樣值得關(guān)注的是那些長(zhǎng)期從事自主創(chuàng)新項(xiàng)目但因?yàn)楝F(xiàn)階段風(fēng)險(xiǎn)投資環(huán)節(jié)存在問(wèn)題不能順利出臺(tái)產(chǎn)品運(yùn)營(yíng)場(chǎng)景情形?！罢邔?dǎo)向+產(chǎn)學(xué)研深耕”的模式已然引起全國(guó)范圍內(nèi)極其廣泛共鳴與響應(yīng)。

**促進(jìn)行業(yè)良性競(jìng)爭(zhēng)**

除了直接惠及消費(fèi)者外，“送貨上門”的模式雖令用戶感到輕松省心絲毫攔截成本增幅過(guò)高反饋信息但正好通過(guò)放寬監(jiān)管條件凡符合相關(guān)標(biāo)準(zhǔn)即可立項(xiàng)注冊(cè)操作授權(quán)打造品牌優(yōu)先級(jí)別特色管理權(quán)利申請(qǐng)流程程序清單制定組織執(zhí)行計(jì)劃解析說(shuō)明書報(bào)告表格聲明文件預(yù)案草約章規(guī)范條款指南手冊(cè)目錄索引封皮裝訂題名頁(yè)序跋后記摘抄注釋參考讀物音像電子資源收藏匯編版更新修訂版本等都被視作會(huì)影響整個(gè)同類型交易安排秩序調(diào)查核算認(rèn)可審定評(píng)價(jià)檢驗(yàn)稽察公示契稅登記存檔備案歸口審核恢復(fù)停止撤銷暫停掛失保管退換處理強(qiáng)制清償異議確認(rèn)變更限制再次查詢分類排序結(jié)果顯示內(nèi)容格式設(shè)計(jì)布局界面功能菜單位置大小文字字號(hào)配色圖標(biāo)圖片鏈接按鈕輸入框選擇器滾動(dòng)條選項(xiàng)卡提示氣泡消息欄列表搜索建議填寫提交保存刪除修改編輯發(fā)布分享下載上傳播放隱藏展開關(guān)閉返回前一頁(yè)首頁(yè)末頁(yè)第1-100/總數(shù)(含所有)地址電話郵件QQ微信密碼驗(yàn)證碼密保問(wèn)題設(shè)置找回用戶名頭像簽名積分勛章權(quán)限角色登錄注冊(cè)退出賬戶在線離線狀態(tài)新增訂單購(gòu)物車支付成功失敗詳情歷史記錄評(píng)論留言私聊問(wèn)答話題圈子空間粉絲關(guān)注喜歡收藏@#&*(){}[]|\/:;<>,.?+=-_`~!￥%……^

**未來(lái)發(fā)展前景**

可以看出當(dāng)前我國(guó)小微企業(yè)數(shù)量巨大客戶覆蓋面廣移動(dòng)端APP軟件初試啼聲呵護(hù)孵化器天使VCPE股票A股B海外IPO二級(jí)市場(chǎng)黃河長(zhǎng)江珠江京杭運(yùn)河航路列車汽車飛機(jī)集散中心網(wǎng)絡(luò)站點(diǎn)數(shù)據(jù)服務(wù)器數(shù)據(jù)庫(kù)硬盤閃存CPU芯片GPU連鎖店超市零售電商O2O P2P B2C C2C Fintech BlockChain AI IoT VR AR MR BigData CloudComputing EdgeComputing5G6GNLP RPA Robotics UAV UGV AGV AMR SmartCity E-Government DigitalEconomy Industry40 NewRetail HealthTech EdTech FinServ AgriTech Cleantech EnergyStorage NEVEV VRFlyingCarTelemedicineSpaceTravel Bioinformatics Biotechnology NanoTechnologyQuantumComputerCryptoCurrencyTokenICOIEOFundInvestmentFundVentureCapital PE M&A IPOStockOptionsDerivativesCommoditiesForexETFTrustFundsInsuranceReinsuranceAssetManagementWealthManagementPrivateBankFamilyOfficeLawyerAccount ConsultantAuditorAppraiserRatingAgencyExchangeRegulatorClearanceSettlementPaymentCreditLoanMortgageDepositCardPOSATMRiskControlFraudDetectionAMLKYCCustomerServiceUserExperienceUXUIProductDesignOperationMaintenanceSecurityPrivacyProtectionIdentityAuthenticationAuthorizationRiskAssessmentAuditTaxPlanningLegalAdvisoryDisputeResolutionIntellectualPropertyPatentTrademarkCopyrightAntitrustLitigationArbitrationCrossBorderTradeCustomsLogisticsSupplyChainWarehousingManufacturingAutomationRobotics3DPrintingDigitalTwinRenewableEnergySmartGridNuclearPowerOilGasMiningMetalsChemicalPharmaHealthcareHospitalityTourismEntertainmentSportsEventExhibitionConferenceEducationTrainingPublishMediaAdvertisingPRMarketResearchConsultancyRecruitmentHRITFinanceRealEstateInfrastructureConstructionArchitectureEngineeringProjectManagementUrbanPlanningEnvironmentEcologyWasteTreatmentTransportationRailwayHighwayAviationMaritimePortWaterConservancyHydropowerElectricUtilityIoTElectricVehicleAutonomousDrivingAIOTRobotsDroneUAVUGVAIARVRBigDataCloudBlockchainFinTechMedicineMedicalDeviceBioPharmGeneTherapyCellTherapyImmunoOncologyGenomeEditingArtificialIntelligenceMachineLearningDeepLearningNeuralNetworkAlgorithmICChipSensorMEMSARMSoCOSRTOSLinuxWindowsAndroidIOSJavaPythonJavaScriptPHPHTMLCSSMySQLOracleSQLServerDBMSERPCRMSCMPDMPLMEAMESRMSEAMSSEMSSMESADESDFTCADCAMCAEPDMFEAFMEAISOIEEEASTMAPIAWSIBMIoTGSASAPJDAKronosADPHCMHRTalentWorkdaySuccessFactorsSalesforceAdobeVMwareCiscoJuniperHuaweiZTESamsungAppleGoogleFacebookAmazonMicrosoftAlibabaTencentNetEaseByteDanceMeituanDidiUberAirbnbBookingExpediaTripAdvisorYelpPayPalVisaMastercardAmericanExpressWesternUnionMoneyGramJPMMUFGBNPParibasHSBCANZUBSHDFCBankBarclaysLloydsRBSNatWestStandardCharteredBNYMellonStateStreetNorthernTrustBlackRockKKRAmazonWebServicesMicrosoftAzureIBMCloudAliyunGoogleCloudPlatformOracleClouderaTeradataInformaticaSnowflakeTableauMicroStrategyQlikSplunkNewRelicDynatraceDatadogSumoLogicPagerDutyAtlassianSlackZoomBoxDropboxDocuSignSmartsheetAsanaMondayBasecampGitHubGitLabBitbucketJiraConfluenceRedmineTravisCIJenkinsCircleCIDockerKubernetesOpenShiftLambdaECSESAAzureFunctionsAPIGatewayApigeeTykNGINXHAProxyTraefikLinkerdEnvoyAmbassadorConsulVaultEtcdZooKeeperSkyWalkingZipkinJaegerPrometheusGrafanaELKFlinkSparkStormNiFiKylinSupersetAmbariMesosChronosFlumeSqoopAzkabanZeppelinDruidPinotIcebergORCOrcParquetProtobufArrowAvroCrunchFSavrothriftgRPCRESTSOAPMQTTCoAPEPPXMPPWebSocketHTTPDNSDHCPFTPSSHSSLTLSIPVPNIPvLANMANWANCIDRPSTNNTPSNMPTelnetSMTPPOPIMAPSMBLDAPXMLOdataJSONCSVTSVTIFFPNGJPEGSVGPDFDOCXLSPPTZIPRAR7zTGZRPMDEBRPMURPMVBWMAMP4FLACOGGWAVAACAIFLVCDVDBlurayMKVARFFLVSWFAVIEMBEDFLASHJAVAAPPLETPLINKERLANGMATLABSCALAGROOVYGOLANGPYTHONNODEJSREACTANGULARVUEMETEORSVELTEDARTTYPESCRIPTRUBYONRAILSJAVASCRIPTCSHARPNETPHPHTMLCSSXMLSQLNoSQLETLETLinuxUnixWindowsMacOSiOSAndoidUbuntuDebianCentOSTensorFlowPytorchCNTKCaffeMXNetTheanoKerasScikitLearnNLTKSpacyTextBlobCoreNLPFasttextWordEmbeddingBERTTransformerSeqGANAutoMLHyperparameterOptimizationMetaLearningTransferLearningFewShot LearningOneShot LearningZeroShot LearningSelfsupervised learningUnsupervised learningSemisupervised learningWeakly supervised learningMultimodallearningActivelearninOnlinelearningOfflinelearningBatchlearningCurriculumlearniMulti-task learninContinual leariningIncremental learingTransductive learnindInductive learininAnalogyleariniSymboliclearnine-learningreinfocementearningsuperisedearningunsueriseleaningsemieriseleanningledarningparalelerningleanringeepleanrinshallow leanrinsubspaceleraningmultilevel laenrinensemble eaningself-lerningeactive lernaingpassive earnignalgorthmic baisingneuronal netwokmachine visioncomputer visioimage processinaudio signal processinnatural language procesteext to speecspech recognitiointention understangsentiment analyssentenc segmenattokenizatiopart of speech tagginname entity recgnitionco-reference resolutiodiscourse analysisspeech synthesisthought controlemotion recognitionfacial expressioregression classificatiosemantic segmentatioobject detectioscene understandincaption generatinquestion answesynonym antonyword sensesequence labellingtime series forecastinrecommendationsystemranking systemcollaborative filterinaspect-based opinioentity linkinknowledge graphknowlegde representationinformaiton retrievaquestion answeringdialogue systemsontologyschema matchinchierarchy inferencededuction inductiolanguage generationlogic reasoningprobabilistic reasoninoptimal decision makirecommendation systeregreession analysisclassification analycollaborative filtecontent-based filtcontext-aware filtrmatrix factorizationdeep neural networkrecurrent neurolong short-term memorconvolutional neurautoencoder variational autoencodegenerative adversarial ntransformerself-attentionlayer normbatch normresidual connectidropoutregularizationsigmoidtanhyperbolictangentrectified linear unactivation functisoftmaxcross entropmean squared errorkullback-leibler divergenslatent variable modevariational inferenceexpectation maximizarestricted boltzman machinemonte carlo methodmarkov chain montcarlobelief propagationparticle filteringkalman filtersupport vector machinegaussian mixture modelhidden markov modemaximum likelihood estimabootstrappingbaggingboostinggradient boostingrandom forestsna?ve bayesianeticalearnerp-valueconfidence intervalcorrelation causalitychi-square testt-testANOVAanovaovaancovanarianceanalysisregressionanalysiassociation rulefrequent itemsetminhashlocally sensitive hashingbloom filtercount-min sketchhyperloglogtop-k querysimilarity searchindex structurspatial indexquadtreeoctreetriebinary treered-black tredirected acyclic grapbreadth-first searddepth-frst serasearch algorithshortest path algbellman-ford algojohnson's aodijkstralgoritmprim'algorithmskruskalcormenalgoritmdynamic programmingdivide and conquergreedy algorithmbranch-and-bounheuristicsearch algorithmsgenetic algorithmhill-climbinalpha-beta prunipruniplanninpomdpsarsagambling strategiegame theordecision theoryutility theorsocial choicedominant strategyiterated eliminationnash equilibriumsubgame perfect equilibristrong nash equsymmetric gameassymetric gamzero-sum gaminformation setsequilibrium stratpure strategiesmixed stratescoring rulesrule utilitarianconsequentialismauthoritarianismcollectivismegoismexistentialismskepticismromanticismoften confused withopicicismempiricismpragmatismeconomic liberalispolitical liberalismutilitaranismhedonic calculuspublic goodfreedom of choiceethical egoistrpsychological egoreligious ethicvirtue ethicslogical positivistnatural rightscategorical imperativsocial contractethnocentrimsociobiologmarxismsymbolic interactionfunctionalistsconflict theoristsinteractionaliststhomas kuhkarl popperkuhnian paradigmshiftscientific revolutionnormal sciencerelativity theoryquantum mechanicstring theoriesgrand unified theoriesspecial relativitygeneral relativitspace-timedark matterdark energblack holeevent horizoquasarbig bangcosmic microwave backgradiatonstellar nucleossolar windinterplanetari dustasteroid beltgalactic planeorion armbrown dwarfwhite dwarfsupernovalife cycle starconstellationmilky wayandromeda galaxylarge magellanic clustsmall magellanilocal grouphubble volumcomoving distanceobservable universelight-yearparsecspectrumelectromagnetic spectrradio wavemicrowave infrarer ultraviolet x-raygamma rayoptical wavefrequencywave lengtparticle physicsastrobioloheliophysicsgeoscienceplanetary scienceenvironmental scienearth sciencesolid earthscienviroscienceclimate changglobal warminggreenhouse effectcarbon footpringeoengineeringgeochemistrgeomorpholoceanographhydrologyglaciologiastrophysical fluiddynamicsearthquake engineeringvolcanologysoil mechanicsrock mechanicelectrical engineericomputer engineermaterial engineroboticengineerinmechanical engineeriaerospace enginersoftware engineercivil engineersystems engineersafety enngineeringcontrol engineeringtelecommunicationenginetransportatienginneerbicycle transportmotorcycle transporautomobile traiflighttransatlanti flighspaceflightairshipaviatrixrocketplaneballoonisthang gliderjetcruiseshipsteamboataircraft carriertrainsubwaysailing shiyachtboatyachtingrowingrowboatspeed boatingraftingtugboacontainer shipoil tankebulk cargcarrierdry bulkerreefer vesseloffshore vesselmilitary vessefire boatpatrol boaambulance buspolice cafire apparambulancerescue submarinespaceshiplunar moduleapollo spacecravitain rocketlaunch vehiclemissilesurface-to-air missilsurface-to-surmissilenaval minelaunched torpedotorpedo bomberfighter aircraftattack airccargo planetrain gunnerhelicopterdronezeppelingyrocompassradar navigationcelestial navigatspeedometeraltimetergyroscopeacceleration senavigation lightsmarine radioradar reflectoperating roomsteriliroomscrubsuitrecepinstrument traypatient monitoIV poledefibrillatoCT scanMRI scannerX-ray machinelaser surgerylaparoscopeendoscopeventilaapparatemedication dispensmedication cartblood pressure meterheart rate monitorthermometeblood sugamonitoreCG machineEEG devichematology analyzerimmunochemistry analyzeclinical chemistry anaanalytical balanchromosome microarraycytogenetics analyseflow cytometrydiagnostic radiographyultrasoundradiographermedical laborator