Research On Credit Patterns Of Chinese Commercial Bank For Small&Micro-Enterprises Under The Internet Finance

Small&Micro-Enterprises,as the main force of the national economy,play an important role in employment absorption,active market and social stability and so on.However,financing difficult has been an important factor of restricting its development. On the surface,financing difficulty is due to high management risk,such as financial irregularities,the lack of suitable collateral,but in essence,due to the asymmetry information between banks and Small&Micro-Enterprise,and incentive incompatibility on risk management. Competition between commercial banks get more and more fierce as the development of the interestrate liberalization, commercial banks need to continue to expand credit market of the Small&Micro-Enterprise,in order to get more profits.With the development of information network technology,the will reach out to every aspect of economic life.The internet platform has accumulated a large number of Small&Micro-Enterprise information,solves the problem of information asymmetry existing between banks and Small&Micro-Enterprises,coupled with high efficiency and low cost of the internet platform,various forms of financial innovation emerges one by one,which forms a certain impact on banks.In this situation,the commercial banks should take advantage of the benefits of the internet effectively,in order to provide credit aid for Small&Micro-Enterprises.According to the research on Small&Micro-Enterprises credit model of domestic and foreign scholars,and the latest development about credit medel under the Internet Financial.Firstly,we analyzed the characteristics and existing problems of the Small&Micro-Enterprises under Internet Finance;Secondly,we introduce and analyze the advanced experience of Wells Fargo and domestic credit financing innovation under the Internet Financial;Thirdly,we research the credit pattern of the Small&Micro-Enterprises,based on the cooperation of the commercial banks,electronic commerce enterprises and logistics enterprises,comrnercial banks provide credit support to Small&Micro-Enterprise on the line,which have loan application. The loan is secured by the guarantee firm consisting of electronic commerce enterprises and logistics enterprises,Small&Micro-Enterprises make loan application,ascertainment,credit score,contracting,and loan management automatically;Finally,we put forword relevant suggestion of the credit model of the Small&Micro-Enterprises under the Internet Finance.