Research On Credit Risk Management Of Network Financing

Network financing is rising with the development of the network, the problem of financing difficulties in the traditional financing system in our country, especially the problem of financing difficulties of small and medium-sized enterprises directly promote the rapid development of the network financing. The development of SMEs in promoting China's economic growth, solve the employment has a vital role. However, our country small and medium-sized enterprise in growth is facing many difficulties, which the key is financing constraints, how to solve the small and medium-sized enterprise financing became an important issue.The current network financing may become one of the ways to solve the financing difficulties of small and medium enterprises. However, due to the information asymmetry between investors and small and medium enterprises, a certain degree of obstacles to the network financing and small and medium enterprises. At the same time, due to the rapid development of network financing and the lack of necessary supervision and management system, resulting in the accumulation of credit risk of network financing. This problem has been a majority of scholars pay attention to, and has invested a great deal of research, in this paper, for small and micro enterprise financing transformation innovation direction are studied, through carries on the elaboration to the background of network financing development, China's network finance development present situation, analyzes the necessity of network financing development in our country. Then at home and abroad on the network financing risk control, credit risk control and credit situation is reviewed, by comparing the commercial banks in small micro financial innovation problems is proposed based on big data, Internet technology to support small micro enterprise financing financing innovation type direction. Then focused on credit rating system and credit system construction proposed improvement suggestions and ideas, combined with the commercial banks, and all kinds of data source using big data technology to build small and micro enterprise credit information database, at the same time in data acquisition mechanism innovation proposed by for small businesses to provide the financial system for automatic information collection, improve data quality and accuracy of; at the same time for business platform of small and micro enterprises rating model put forward a constructive solution. Finally, to our country network financing risk control methods, the method proposed comments and suggestions to look forward to network finance in our country under the premise of the controllable risk, further rapid development.