Big Data Environment Of Commercial Bank Development Of Electricity Small Loans Research

With the development of the Internet information technology, the data gradually reveals the important function in the development of various trades and professions.E-commerce platform has accumulated enterprise information flow, cash flow, logistics, huge amounts of data, the bank is to look at the small micro enterprise gathering electric business platform, through making e-commerce platform, using electric business platform data in electric business small business loan, commercial Banks in this paper, the large data environment development of small micro lending electricity were discussed.First, big data are presented in this paper, the concept of micro and small electric business of commercial bank loans to define, from the information asymmetry theory, credit rationing theory, hard and soft information theory, the relational credit theory four aspects analyzes the commercial Banks to carry out the theoretical basis of electricity small micro lending, further from the decrease of the cost of information search, provide effective risk management methods of two big data have been analyzed the influence of the small micro electrical contractor in the commercial bank credit, and elaborated the our country commercial bank electricity development present situation and existing problems of small loan. Second, the construction bank, for example, this paper analyses the major commercial Banks electricity data environment of the development of small loan, comparing with commercial Banks to small micro electricity is different from traditional small micro credit loan, electric analysis of commercial Banks business small loan advantage. Then, through the electric business platform, small micro loan products, risk control, credit financing source and cost analysis of four aspects, Ali small loan and electricity construction bank loan small micro credit difference, at the same time build commercial Banks small electric business SWOT analysis model of micro credit analysis electricity small micro credit of commercial bank's strengths, weaknesses, opportunities, threats. Finally, on the basis of the above analysis, proposed the commercial bank on electricity small micro credit development countermeasures:establishing the data set line concept, attaches great importance to the bank credit business chain and big data fusion, increase product innovation, build financial models wisdom, relying on the "big data", strengthen risk control ability, which are characterized by financial products, a clear strategic positioning, mining industry elite, set up talent echelon.