Research On Credit Risk Management Of Small And Micro Enterprises Of Bank Of Jiangsu Based On Big Data Credit Investigation

In recent years,Chinese government departments have been vigorously promoting the development of small and micro enterprises.Under this background,in order to support the real economy and respond to the call of the government,major commercial Banks have begun to focus on the layout of credit business for small and micro enterprises.However,under the traditional risk management mode,the development of small and micro credit business of commercial Banks is not smooth.Most small and micro enterprises have high credit risks,and commercial Banks are generally not strong in loan willingness,which leads to the difficulty and high cost of financing for small and micro enterprises.In the context of Internet finance,some commercial Banks begin to use big data credit investigation to conduct credit risk management,which has a great advantage over the traditional risk management model.In the field of big data credit investigation risk management,Bank of Jiangsu has become a pioneer in the domestic banking industry and achieved great success in the field of credit risk management through big data credit investigation.This paper takes Bank of Jiangsu,a pioneer in big data credit risk management,as the object of case study.There are three innovations in the case: First,in terms of data acquisition channels,Bank of Jiangsu achieves authoritative key data through cooperation with government departments,which is different from other Internet enterprises.Secondly,in terms of business operation,the balance of loans to small and micro businesses in Bank of Jiangsu accounts for a much higher proportion than the industry average.Finally,in terms of risk management,the non-performing loan ratio of Bank of Jiangsu is far below the average level of the whole industry.This paper studies the domestic and foreign about the big data inquiry,large commercial Banks credit risk management,and based on the data of credit of commercial bank credit risk management related literature,found many scholars basic thought under the background of financial technology,commercial Banks use big data credit risk management is the trend of the future,and it is necessary.At the same time,financial institutions at home and abroad have also applied big data technology to credit risk management,and it is quite effective.On this basis,in the field of big data credit investigation,Bank of Jiangsu started the practical exploration of credit risk management,and achieved good business results and low non-performing loan ratioby relying on its own risk management model and process.The reasons for the success of Bank of Jiangsu in the field of credit risk management are analyzed from four perspectives: data channel,big data credit investigation infrastructure construction,big data credit investigation credit flow,and compound professional team construction.Finally,this paper puts forward five reasonable Suggestions for traditional commercial Banks to learn from the successful experience of Bank of Jiangsu and use big data credit investigation for credit risk management.Commercial Banks use big data inquiry raise the level of banking risk management at the same time,also promoted the development of the real economy,and when our country commercial bank using big data reference to build a database of enterprise credit,implementing the credit information sharing,a total of individual data platform league,will contribute to the establishment of the whole society credit system,at the same time credit incentive and disciplinary effect.