Research On The Credit Model Of Bank Of China Bank S Branch To The Medium-sized And Small Enterprises Under The Background Of Big Data

Currently,the majority of Chinese enterprises are the medium-sized and small enterprises,which play an irreplaceable role in the economical and social development,and have been becoming a major power to drive the economical and social development.For a long time of being,the financing problem restricts the development of medium-sized and small enterprises.The commercial banks are the preferred choice for the medium-sized enterprises to deal with the financing problem and also the main financing resource for the medium-sized and small enterprises.However,due to the information asymmetry between the banks and medium-sized and small enterprises,the high cost of the loan,the inadequacy of the guarantee forms,the mechanism management of the banks and other reasons,medium-sized enterprises are facing a financing difficulty.While the development of the Internet has changed the world financial structure,the technology of big data can become a powerful method for the Internet financing,it can contribute the commercial banks to integrate more date resources,dig out from massive hidden information,and then screens the asymmetry information,supplement the real information,reduce the credit risks and financing cost,improving the operating efficiency,and further to support the financing of the enterprises.This article firstly introduces the theory of the Internet financing and the technology of big data;then analyzes the medium-sized and small enterprises credit model of the S Branch of China Bank.The analysis focus on the New Credit Model,SIP Model,BOC Settlement Integration,and the innovation model of the loan before,in and after;then finds out the shortages and the reasons for the shortages in the medium-sized and small enterprises credit model of the S branch of China Bank.Moreover,taking the analyzed results of the credit models from other commercial banks as references.Based on the background of big data,providing some suggestions to improve the credit models of the S Branch of China Bank to the medium-sized and small enterprises.The applying of the technology of big data,can Optimize the internal process of commercial banks,expand external big data cooperation,and promote the improvement of social credit system,which provides a guidance for the further development of the credit business of medium-sized and small enterprises from commercial banks.