中證(zheng)網訊（記者 萬宇）1月12日(ri)，2022年廣州(zhou)市(shi)小(xiao)額(e)貸(dai)款(kuan)公司(si)監(jian)管工作會(hui)議召(zhao)開，會(hui)上，以“數字政府+金(jin)融科技”為架(jia)構理念的廣州(zhou)小(xiao)額(e)貸(dai)款(kuan)公司(si)“瞭望塔”智(zhi)(zhi)能監(jian)管系(xi)(xi)統(tong)正(zheng)式上線。廣州(zhou)市(shi)地方(fang)金(jin)融監(jian)管局在原廣州(zhou)民間金(jin)融街(jie)智(zhi)(zhi)能監(jian)管系(xi)(xi)統(tong)基礎(chu)上，運用大(da)數據、區塊(kuai)鏈、人工智(zhi)(zhi)能等數字科技手段(duan)開發搭建了廣州(zhou)小(xiao)額(e)貸(dai)款(kuan)“瞭望塔”智(zhi)(zhi)能監(jian)管系(xi)(xi)統(tong)。

　　據(ju)介紹(shao)，自2009年全國啟(qi)動小額貸款(kuan)公司試點(dian)工作(zuo)以來，各地金融監(jian)(jian)管(guan)部門以現場監(jian)(jian)管(guan)+數(shu)(shu)字化(hua)系(xi)(xi)(xi)統形(xing)式(shi)開展日(ri)常監(jian)(jian)管(guan)工作(zuo)。在實(shi)踐中，存在企(qi)業(ye)(ye)(ye)報(bao)送數(shu)(shu)據(ju)滯后、準確率低、無(wu)法實(shi)時(shi)研判預警等痛點(dian)。“瞭望塔”智(zhi)能(neng)(neng)監(jian)(jian)管(guan)系(xi)(xi)(xi)統正(zheng)是針對上述痛點(dian)，將政府智(zhi)能(neng)(neng)監(jian)(jian)管(guan)系(xi)(xi)(xi)統與企(qi)業(ye)(ye)(ye)業(ye)(ye)(ye)務系(xi)(xi)(xi)統直接(jie)鏈接(jie)、抓(zhua)取實(shi)時(shi)業(ye)(ye)(ye)務數(shu)(shu)據(ju)，并根據(ju)系(xi)(xi)(xi)統設施進行預警提(ti)示，提(ti)高監(jian)(jian)管(guan)及時(shi)性(xing)和(he)準確性(xing)。該系(xi)(xi)(xi)統首期設置“監(jian)(jian)管(guan)端(duan)”和(he)“企(qi)業(ye)(ye)(ye)端(duan)”兩個(ge)功能(neng)(neng)入口(kou)，監(jian)(jian)管(guan)端(duan)目前上線監(jian)(jian)管(guan)駕駛艙、每日(ri)經營(ying)數(shu)(shu)據(ju)報(bao)送、機構列表、企(qi)業(ye)(ye)(ye)畫像、分(fen)析(xi)預警，小貸評級等功能(neng)(neng)。

　　廣州(zhou)市地(di)方(fang)金(jin)融監(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)局(ju)有關負責人表(biao)示，“瞭(liao)望(wang)塔”智(zhi)(zhi)(zhi)能(neng)(neng)(neng)監(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)系統(tong)的上線，有助于監(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)方(fang)利用技術(shu)化(hua)手(shou)段規(gui)范全市監(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)實施與標準，實時掌(zhang)握小(xiao)貸(dai)公司經營情況，減少監(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)漏洞，提高監(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)效率，實現(xian)企業數據穿透監(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)目標。通過小(xiao)貸(dai)智(zhi)(zhi)(zhi)能(neng)(neng)(neng)監(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)數據的自動采集、智(zhi)(zhi)(zhi)能(neng)(neng)(neng)分(fen)析(xi)預(yu)警、智(zhi)(zhi)(zhi)能(neng)(neng)(neng)報(bao)送和可(ke)視化(hua)監(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)可(ke)大幅提升(sheng)非(fei)現(xian)場監(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)的廣度(du)和深度(du)，提升(sheng)現(xian)有小(xiao)貸(dai)非(fei)現(xian)監(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)的管(guan)(guan)(guan)(guan)(guan)理(li)水平，進而實現(xian)對(dui)(dui)小(xiao)貸(dai)公司的合規(gui)性和風險動態(tai)實時跟蹤(zong)和智(zhi)(zhi)(zhi)能(neng)(neng)(neng)化(hua)監(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)，提升(sheng)小(xiao)貸(dai)非(fei)現(xian)智(zhi)(zhi)(zhi)能(neng)(neng)(neng)化(hua)監(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)的整體能(neng)(neng)(neng)力，同(tong)時，也能(neng)(neng)(neng)進一步(bu)優化(hua)審批(pi)流程，規(gui)范審批(pi)程序，讓小(xiao)貸(dai)企業實現(xian)“少走馬(ma)路 多跑網路”。后續，廣州(zhou)市地(di)方(fang)金(jin)融監(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)局(ju)將推動“瞭(liao)望(wang)塔”智(zhi)(zhi)(zhi)能(neng)(neng)(neng)監(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)系統(tong)在典當、融資擔保、商業保理(li)等地(di)方(fang)金(jin)融組織監(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)中的應(ying)用，并盡快實現(xian)與省智(zhi)(zhi)(zhi)能(neng)(neng)(neng)監(jian)(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)系統(tong)對(dui)(dui)接。