Research On Risk Control Of "Big Data" Credit Products For Small And Micro Enterprises In Handan Branch Of M Bank

As China's economy develops rapidly,the proportion of small and micro enterprises in the national economy is increasing day by day,playing an important role in promoting economic growth,creating jobs and increasing sources of tax revenue.In this context,relevant departments of the state have issued a number of policies aiming at supporting the healthy and rapid development of small and micro enterprises.As a major provider of social financing,commercial banks also actively respond to the national call,and have formulated many favorable policies and designed more reasonable credit products for the financing of small and micro enterprises.Among them,"big data" credit products for small and micro enterprises have been vigorously promoted by commercial banks in recent years,and their design concept and original intention is to support the financing of small and micro businesses while reducing the credit risk caused by the information asymmetry between banks and enterprises.However,from practical experience,there are still many problems in risk control of "big data" credit products for small and micro enterprises.In order to better analyze the "big data" credit products for small and micro enterprises,on the basis of introducing theories of small and micro enterprises,big data,"big data" credit products for small and micro enterprises,categories and characteristics of risks and risk control,in this paper,relevant theoretical basis was introduced.On basis of that,taking the Handan Branch of M Bank as an example,the content and characteristics of "big data" credit products for small and micro-sized enterprises were expounded,and also the development and risk control status of these products in the past three years was analyzed.In order to obtain more authentic and reliable data,in this paper a questionnaire on risk control of "big data" credit products for small and micro enterprises was designed,and the relevant personnel were selected as the survey object,and the questionnaire was issued to them.Then,the questionnaire results were analyzed scientifically and statistically,and the status quo of risk control on "big data" credit products of Handan Branch of M Bank for small and micro enterprises in the aspect of management,practitioners,product and process design and technology was obtained to dig out problems and main causes of them were analyzed.Based on those,some countermeasures and suggestions were put forward to solve the problems.Through the above research,while big data is actively used as a risk control means of credit business of small and micro businesses,it can also provide suggestions for the improvement of risk management of M Bank's "big data" credit products for small and micro businesses.It can also play a positive role in the development of "big data" credit products for small and micro enterprises in China's banking industry.