Research On The Transformationof Small And Micro Enterprise Credit Business

As we all know,small and micro enterprises play a very important role in the process of China's economic development.The problem of"funding difficulties and expensive financing" has been plaguing small and micro enterprises.In recent years,the country has frequently issued a series of policies to support the development of small and micro enterprises,coupled with the advent of the Internet-connected financial era,which has made a new opportunity for the transformation of small and micro enterprise credit business.It is of theoretical and practical significance to study how commercial banks can use Internet technology to innovate small and micro enterprise financing products and upgrade small and micro enterprise credit processes to alleviate information asymmetry and simplify business processes.Based on the reading and research of small micro credit,internet finance,big data technology and other literature,combined with the author's years of experience in small and micro enterprise credit work,this paper focuses on the following three aspects:First,the Internet financial era is small The micro-enterprise credit business transformation model and its role,focusing on three typical models of crowd funding financing,e-commerce financing platform and network supply chain financing,and the role of such financing models using Internet technology.Second,Bank of Jiangsu conforms to the trend of the Internet finance era,using big data technology to launch small and micro enterprise "e rong" series of online loan products and "three online and three intelligent" management system,alleviating the asymmetry of bank and enterprise information and simplifying business processes.Thirdly,in view of the problems existing in the transformation of small and micro enterprise credit enterprises in commercial banks,this paper proposes countermeasures from three aspects:technology improvement,business system and policy recommendations.The technical improvement mainly strengthens the construction of the commercial bank's risk control system and enhances the internal governance level of small and micro enterprises;the business system is to improve the credit default cost of small and micro enterprises,and reform the micro and micro enterprise chattel financing mechanism;the policy recommendations are mainly to improve China's credit system.Construct and improve the government risk compensation mechanism.Based on the research,Jiangsu Bank actively explores new ideas,new methods and new ways,uses Internet technology,and obtains micro-enterprise business information through multiple channels,effectively alleviating the problem of information asymmetry,shortening the business processing cycle and improving the business.The efficiency of small and micro credit business provides a typical case and related advice for small and micro enterprise credit business of small and medium-sized city commercial banks.