Design And Implementation Of Small And Micro Enterprise Credit Risk Management System In Commercial Banks

In recent years,with the application of financial innovation,the difficulty of small and micro enterprise loans has gradually improved.The reason is that under the government's preferential policies and the transformation of commercial banks,the credit system has been continuously improved,and the application of new technologies has provided financial innovation.The promotion of bank financial innovation will effectively improve the availability of small and micro enterprise loans and continuously increase the loan balance.With the continuous development of banks,the types of bank credit business are increasing,which greatly increases the risk of banks doing credit business.It is urgent to develop a small and micro enterprise credit risk management system that meets the needs of commercial banks.This topic uses the relevant technology of big data and chooses to use the C# development language of.Net platform to realize a small micro enterprise credit risk management system.Through the implementation of the system in the commercial bank,the credit process of small and micro enterprises is managed,and the cr edit risk of small and micro enterprises of commercial banks can be controlled to the maximum extent.This paper uses Microsoft's Microsoft Visio for system modeling based on the small and micro enterprise credit risk management process of commercial banks.Firstly,it analyzes and analyzes the business processes involved in the system,and gives the process optimization requirements of the credit risk management of small and micro enterprises in commercial banks,and adds risk management and post-loan management to the credit general process.In the demand analysis and design process,the process of credit risk management is discussed,including indicator setting,evaluation setting,task setting and risk analysis.Then on this basis,the implementation of data mining algorithms in risk management is emphasized.Finally,the realization of the credit process,including pre-lending management,risk management,credit management and post-loan management.The paper uses neural network,support vector machine an d random forest to carry out effective data analysis and risk control on credit risk of small and micro enterprises.Finally,after comparison,the neural network algorithm is chosen to control the risks that small and micro enterprises may have in the cre dit process.Better classify small and micro enterprises to reduce the risks arising from their crediting process.In the end,help the bank credit department to accurately target credit-quality small and micro enterprises and increase the bank's credit ca pacity.