Research On The Application Of Big Data In The Credit Risk Assessment Of Small And Micro Enterprises Based On The Credit Business Of Jining Bank To YW Company And KQ Company

In recent years,with the support of the market economy and the government,small and micro enterprises have achieved great development.China has more than 20 million small and micro enterprises,and more than 60 million individual businesses,providing more than 85%of the country's employment positions,and injecting development vitality into the economy.As the structure of small and micro enterprises is relatively simple and the number of personnel is relatively small,they can become the first pilot of some important national projects.The existence of small and micro enterprises is of great significance to the economy and society,helping to absorb employment,enhance industrial vitality,and improve the market economy system.At present,the break of capital chain has become the biggest threat to the healthy development of small and micro enterprises.It is a very important work to solve the financing problem of small and micro enterprises.Exacerbated by the impact of the new crown pneumonia epidemic in January 2020,the problem of funds shortage in small and micro enterprises is more serious.Statistics show that most small and micro enterprises choose bank loan financing,especially to local city commercial banks.The credit business of small and micro enterprises has the characteristics of high credit risk.Banks lack effective risk identification methods for small and micro enterprises,and are often reluctant to provide loans for them.Establishing an effective risk identification mechanism for small and micro enterprises and enhancing the ability of banks to identify and prevent the credit risk of small and micro enterprises have become the key to solve the financing problem of small and micro enterprises.It is also conducive to controlling the non-performing loans of banks themselves,forming a new profit growth point and achieving a win-win situation.The popularity of the Internet and the development of science and technology give birth to the emergence of big data technology.The ability of big data technology to collect,process and analyze data can adapt to the characteristics of small and micro enterprise credit,capture more information to help banks identify risks,alleviate the problem of information asymmetry,and provide a new path for small and micro enterprise credit risk management of urban commercial banks.In recent years,the academic community has also begun to discuss the application of big data in the financial field,affirmed the role and significance of big data technology in the financial field,put forward some suggestions and pointed out the possible problems,most of these studies focused on the theoretical level,and achieved some results.This paper holds that the main reason for the difficulty in financing of small and micro enterprises lies in the large credit risk faced by the credit of small and micro enterprises.Due to the lack of effective identification methods,banks are reluctant to provide credit funds for them.Therefore,based on the ability of big data to collect and analyze data,this paper proposes a solution to the credit risk of small and micro enterprises,designs a credit risk rating model of small and micro enterprises based on big data,and constructs the large data risk control system.This article combines theory with case.First,it introduces the impact of small and micro enterprises under the background of the transformation of new and old kinetic energy.It is difficult to develop and solve the financing difficulties.Then it analyzes the credit characteristics of small and micro enterprises and the causes of financing difficulties.It points out that the problem should be solved from the perspective of banks,especially city commercial banks.After that,it points out the advantages for urban commercial banks to develop small and micro enterprise credit,introduces the development status of urban commercial banks,points out a series of problems such as the rising non-performing loan rate and the impact of Internet finance.On the basis of the above theoretical analysis,the system architecture of risk control system is designed,and the credit rating model of small and micro enterprises based on big data is designed by AHP.Combined with the characteristics of small and micro enterprises and the characteristics of big data technology,the ratio of qualitative index is improved Secondly,on the basis of expert questionnaire survey to determine the importance of indicators,the paper uses fuzzy comprehensive evaluation to set the weight of indicators,and gets the credit rating model of small and micro enterprises based on big data.Finally,two small and micro loan businesses of Jining Bank,YW commerce and KQ food,are selected as case study objects,and the big data credit rating model is used for scoring.Among them,Jining bank's survey of YW business is very good,agreed to loan 3 million yuan,and the big data credit rating model score results show that the credit condition of the enterprise is not good.Finally,YW business is unable to repay the loan,proved that the model effectively identified the risk level.Jining bank's evaluation of KQ food is not good and refuses to provide loans,and the big data credit rating model scored that the company's credit standing is good and has the potential for further development.Finally,KQ food obtained loan from ICBC to meet temporary funding needs,guaranteed the repayment of principal and interest on time,and developed into a leading enterprise in Jining's food industry.Finally,the paper analyzes the reasons for the differences between the two evaluation results,analyzes the credibility,verifies the validity of the model,further affirms the significance and importance of big data in the financial field,and has certain reference value and practical significance for urban commercial banks to use big data to manage the credit risk of small and micro enterprises and alleviate the financing difficulties of small and micro enterprises.