Research On The Application Of Big Data In Commercial Bank's Small And Micro Business Credit Business

With the issuance of the "popular entrepreneurship and innovation" call,various national functional departments have successively promulgated a series of policies to support the development of small and micro enterprises.Major commercial banks also closely follow the direction and actively publish new products for small and micro loans.The total amount of loans for small and micro enterprises has been rising year by year,which has eased the financing needs of small and micro enterprises to some extent.However,there are still problems in China's small and micro enterprises in terms of operation and management,financial systems,and credit awareness,which has caused banks to have "reluctant credit"sentiment during the development of small and micro loans.At the same time,the traditional credit tools and business processes have been difficult to adapt to the current development of small and micro enterprises,resulting in the financing difficulties of small and micro enterprises.As the application of big data technology matures,big data has gradually become a strong support for the development of credit business.Internet financial platforms have started to use big data to dig deep into customers and provide platform merchants with pure credit loans,opening up new battlefields in the field of small and micro loans.Under the impact of the new financial business model,commercial banks have also begun to rely on strong capital and rich customer base to carry out big data micro-lending business,fully tap customer information,reduce credit operating costs,reduce business risks,and improve the effectiveness of loan decisions.Based on this,this paper first analyzes the application of big data in commercial banks,compares the traditional micro-lending model with the big-data micro-micro-lending model,and concludes that commercial banks use big data to develop small and micro loans.Then,it summarizes the work that commercial banks should do to develop big data credit business,analyzes the shortcomings of current commercial banks in the development of big data microfinance,and discusses solutions.Then,through a case study of Ali Small Credit and CCB's "fast loan" this paper analyzes the successful application of the big data credit model,and conducts big data for commercial banks from three perspectives:customer identification,credit flow supervision,and risk reduction disciplinary.Micro-loans provide lessons.Finally,summarize the main points of the commercial bank's use of big data to develop small and micro loans:First,establish the concept of data development,start with three aspects of systems,products,and talents,and comprehensively promote the construction of big data applications;Second,rely on big data to strengthen the credit process Management and control,broadening the product application scenario;third is to strengthen data management and ensure information security.