Study On Small And Micro Enterprise Credit Rating System For Liu Zhou Bank Based On Big Data Platform

With the adjustment and transformation of the country's economic structure,small and micro enterprises across the country have flourished,gradually becoming an important part of the local economy and making important contributions to local economic development.At the same time,the situation in which small and micro enterprises face difficulties in financing is even more severe.As an important financial force serving local small,medium and micro enterprises,Liuzhou Bank actively responds to the call of the country,and complies with regulatory requirements of local financial regulatory agencies to effectively control operational risks.How can we resolve the difficulty of financing and financing of local small and micro enterprises? To better support the development of local small and micro enterprises and become a problem that Liuzhou Bank urgently needs to solve,it is also the only way for Liuzhou Bank to realize cornering overtaking in the face of fierce competition with the industry,and to quickly expand and strengthen its business.This article first starts with the national macro-policy and local government policies,Liuzhou Bank's historical opportunities and the financing difficulties of small and micro enterprises.It analyzes the local characteristics of small and micro enterprises and the financial services of small and micro enterprises of Liuzhou Bank,and combines it with credit finance of the Bank.Based on the characteristics of risk management,a system construction plan for the credit rating business of small and micro enterprises that meets the risk management requirements of the bank is proposed.First of all,the program begins with the current lack of data on the credit rating business of small and micro enterprises.In addition to collecting necessary manual data,it also collects,cleans,organizes,stores,and mines the intrinsic value of user data through the bank's big data service platform.An effective credit rating business data chain is formed to provide a data foundation for the credit rating of small and micro enterprises.Followed by the bank's credit risk management process and business requirements,it put forward the function of the small and micro enterprise credit rating system,proposed the allocation and planning of the credit rating system function authority for different departments and practitioners,sorting the rating business process,and Micro-enterprise credit rating index system selection,rating model management,model configuration and model validation propose planning and verification ideas.Finally,some suggestions are put forward to guarantee the implementation of the project.Under the background of the booming economy of small and micro enterprises,it is a meaningful attempt by banks to actively explore the development of the credit rating business of small,medium and micro enterprises.On the one hand,it can effectively solve the difficult situation that has plagued the financing of small and micro enterprises for a long time.The ability to accumulate more development experience in credit risk management can finally provide enough new focus for the Bank's financing business innovation and achieve a new growth pole for the Bank's business profitability.