The Research Of Strategy Optimization Of A Internet Bank Credit Risk Control On Small And Micro Enterprises

With the advantages of information and data processing,the boundaries between commercial banks and internet financial institutions are increasingly blurred and competition is becoming more and more intense.In particular,in the field of small and micro enterprise credit services where traditional banking services are weak,Internet financial institutions have begun to enter the market with the help of the Internet and big data technologies.Through financial science and technology,differentiated competition has been created,the competition for small and micro enterprise credit business is getting more and more intense.As a newly established Internet bank,Bank A has the dual advantages of the scale effect of the Internet model and the financial resources of traditional financial institutions,but it also faces the dual competitive pressures of emerging Internet financial institutions and traditional large and medium-sized commercial banks.With regard to more and more competitors,the company has exposed a number of issues related to credit risk assessment and management of small and micro enterprises.First,it lacks the network advantages as large and medium-sized commercial banks have.It is impossible to verify the operation of small and micro enterprises on site;Second,it lacks a complete credit risk assessment and control system and supporting management processes compared to Internet financial institutions;and Last not least,due to the serious information asymmetry problem in the process of small and micro enterprises credit service,the bank lacks perfect information collection and screening capabilities,and the client risk rating,fraud and overdue forecasting,differential pricing capabilities are weak,while the profitability is not strong too.This paper studies domestic and international credit risk assessment models for small and micro enterprises and measures for big data risk control.Taking Bank A as an example,it systematically analyzes the key elements of risk control of Bank A through the use of enterprise life cycle,credit scoring and other theories.PEST external macro-environmental analysis model identifies A's external operations.Combining with the actual practice of the financial industry and Bank A,Based on the management of credit risk assessment of small and micro enterprises by other companies,the main problems faced by Bank A in conducting credit risk assessment and control of small and micro businesses were analyzed.And base on those above,we construct an effective credit score and management system for Bank A.Finally,We help Bank A analyze how to develop suitable business and risk control optimization strategies by using multi-dimensional big data risk control measures to provide efficient finance services for small and micro-businesses,and improve risk management and product competitiveness as well.