Research On Small And Micro Enterprise Loan Model Of Commercial Banks Based On Big Data

With the introduction of "public entrepreneurship and innovation",the various functional departments of the country responded positively and successively implemented a series of policies to support the development of small and micro enterprises.The major commercial banks are also following the call to actively develop small and micro-loan products.However,under the traditional model,small and micro enterprises have the characteristics of “short,small,frequent and urgent”in financing.At the same time,traditional credit products and business processes have been difficult to adapt to the current development of small and micro enterprises,resulting in a difficult and expensive situation and slow growth for small and micro enterprises.With the development of big data technology,big data has gradually become the mainstay of the credit business.Under the impact of the new financial industry,various commercial banks have begun to use big data to tap customers and open up new areas of small and micro loans.The total amount of loans to small and micro enterprises has increased year by year,which has alleviated the financing needs of small and micro enterprises to a certain extent,and at the same time reduced the credit operation cost,reduced business risks and improved the efficiency of loan decision-making.Based on this,this paper first analyzes the general situation of big data construction in commercial banks;Then introduces the small micro loan model of commercial banks based on big data,and lists the characteristics of small and micro loan models of commercial banks based on big data,comparing the traditional small micro loan model with the big data micro micro loan model,and conclude that commercial banks use big data to carry out the advantages of small micro loans.It also expounds the basic principles,operational processes,existing problems and the mitigation of the micro-financing dilemma;Then,through the introduction of CCB's“small micro-fast loans”,including the development and application of CCB big data,“small Brief introduction of the new model of business big data in micro-fast loans,and the analysis of the development status and effect of CCB's“small micro-fastloans” business,and deeply analyzed the successful application of the big data credit model;in addition,summed up the advantages of CCB's“small micro-fast loans”and experience,summarizing the main points of commercial banks using big data to carry out small and micro loans;finally,expound the conclusions of this paper.