Research On The Risk Control Of Small And Medium-Sized Enterprise Loans In H Bank Under The Background Of Big Data

In recent years,due to the continuous development of Internet technology,comprehensive application,big data,artificial intelligence and other technologies have made great progress;the amount of information in the world is growing geometrically.These increases are closely related to our lives and changing our lives imperceptibly.These new technologies not only change people lives,but also bring great changes to the operation mode of many traditional industries,such as banking,insurance,securities and other traditional financial business.Banking industry is a typical traditional financial industry.Controlling the risk of loan in the banking business is very important.Due to the dependence of the small and medium enterprises on the market,the risk of the small and medium enterprises' loan is the most common risk in the loan business.It is easy to cause information asymmetry risks,but the big data technology provides a possibility to alleviate the issue of asymmetric information.Big data technology can make banks get more accurate and detailed information than those information comes from traditional methods.And it is more easy to improve the ability of prevent the credit risk for small and medium enterprises.So Banks can meet the financing needs of small and medium enterprises better,and can do a good job in risk prevention in the real economy.This study focuses on the impact of emerging technologies such as the Internet,cloud computing,and big data on various aspects of the traditional financial industry.Through analyzing the current overall business status of H-Bank Harbin Branch,my study provides the overall process and risk prevention of H-Bank SME loans.Through the introduction of advanced data control for domestic and foreign banks,we've found out the deficiency of the loan risk control system of SMEs in H-bank-Harbin Branch.After analyzing the deficiencies of H bank in the prevention and control of credit risk of small and medium-sized enterprises in the context of big data,we conclude that information asymmetry is the root cause of these deficiencies.Finally,this study gives some suggestions on establishing H bank information Data system from the aspects of improvement of data verification,access to big data,upgrading of enterprise rating data,application of big data approval model,and post-lending enterprise conditions monitoring.This study also provides a reference for upgrading the management level of SME loan in H Bank Harbin Branch under the background of big data.