Research On Credit Risk Control Of Small And Medium-Sized Enterprises In Commercial Banks Based On Large Data Signals

In recent years,the state has introduced a series of policies to support the development of small and micro enterprises to promote the "public entrepreneurship,innovation";major commercial banks have also launched small micro-enterprise loan products,small micro-enterprise loans continue to increase,to a certain extent Alleviate the problem of small and medium enterprises financing difficult.However,at present,China's small micro-enterprises generally exist in the management of chaos,financial imperfections,weak credit awareness and other issues,leading to commercial banks credit business risks are also growing.At the same time,commercial banks in credit risk identification,measurement,monitoring and so there are still many problems,resulting in non-performing loan balance and non-performing loan rate continued "double liter." Risk control is particularly important for commercial banking in situations where economic downturn continues to increase.With the development of Internet finance,the advantage of large data communication technology has become increasingly obvious,and gradually become the golden key of credit risk control.Such as Ali small credit use Alibaba,Taobao,Alipay,Ali cloud four platform accumulation of customer information,the issuance of pure credit small loans,timely ease the financing needs of Taobao business,but also to Alibaba Group in the small micro-credit market to a cup soup.In the new financial form,commercial banks face unprecedented opportunities.On the one hand,compared with the Internet financial enterprises,commercial banks have strong capital and rich customer advantage,for the establishment of large data platform and product development and application provides a convenient condition;the other hand,compared to the traditional credit model,In the mode of data credit,commercial banks can fully exploit customer information,-break information barriers,manage dynamic models,reduce business risks,improve the effectiveness and scientific nature of loan decisions,and realize sunshine finance.Based on this,this paper first the development of credit business of small and micro enterprises in commercial banks and the risk of commercial small and medium-sized enterprise credit.Based on the analysis of credit risk control process of commercial banks,this paper points out that commercial banks have the advantages of risk identification ability,Secondly,this paper puts forward the advantages of commercial banks in the use of large data credit model for risk identification,risk measurement,wind control process management and so on,as well as the challenges faced by the commercial banks in the aspects of risk assessment,risk assessment and risk assessment system.This paper analyzes the successful application of the large data credit model in the field of Internet financial credit risk control,and analyzes the three aspects of high quality customer choice,credit process supervision and default risk rewards.For commercial banks to use large data credit for small micro-enterprise credit risk control to provide reference value.In addition,the Jiangsu Bank,which is the forerunner of the small micro-credit risk control,is selected as the example,and the development scale of the small data and the risk control process are analyzed.Finally,it puts forward some relevant measures and suggestions for the commercial banks to use the large data credit to perfect the credit risk control of small micro enterprises.One is to further implement the laws and regulations,improve the credit system;the second is to implement large data strategy,change the small micro-credit business model;third is to strengthen all aspects of information fusion,reduce information asymmetry risk;four is to strengthen scientific and technological personnel training,Model application and update;five is to pay attention to customer privacy protection,to prevent leakage of information,so as to maintain data security.