Credit Rating And Risk Management Of Small And Micro Enterprises In China Under The Background Of Big Data

Small and micro enterprises play a very important role in the development of national economy and society.They have a profound impact on solving employment problems,promoting economic growth,stimulating market vitality and maintaining social stability.However,it has the characteristics of short life cycle,high market risk,non-standard financial statements and lack of collateral,which makes it difficult for financial institutions to measure their credit status and increases the risk of credit of financial institutions.With the arrival of the era of big data,we can use big data technology to construct a scientific credit rating method,effectively reduce the information asymmetry between small and micro enterprises and financial institutions,so that they can get more financial support and promote the solution of financing difficulties.Firstly,this paper combs the mature credit rating methods of small and micro enterprises at home and abroad,and analyses the problems and shortcomings of different credit rating methods combined with the actual situation of our country.Secondly,the network characteristics of different scale enterprises are compared and analyzed based on large data platform to obtain relevant data.The characteristics of cooperative networks and credit risk indicators of small and micro enterprises are further selected to study.First,the statistical relationship between them is analyzed by logistic regression model,and then the credit scorecard model is constructed by variable box.Subsequently,because the statistical model of relevant indicators can not truly depict the relationship and impact mechanism of enterprise risk,a stochastic and systematic enterprise risk management model is further constructed.This paper mainly analyses the dynamic transformation mechanism of "technology-capital" of enterprises.Under the framework of Langevin Dynamics,the growth and evolution process of enterprises is depicted by constructing a stochastic system model.Then,based on linear response theory,two kinds of system response risk and risk value(VaR)performance indicators are deduced.Through system simulation,the effectiveness of related risk control strategies in four dimensions of capital leverage,management orientation,specialization level and macro environment for small and micro enterprises and the system risk,bilateral cooperation risk and VaR performance under different risk control strategies are analyzed.Its risk management provides some quantitative analysis results.In addition,when analyzing the system performance indicators under different risk control strategies,some stochastic resonance phenomena which are different from intuitive perception have important guiding significance for actual risk management.