Research On Online Government Procurement Loan Of Small And Micro Enterprises In Commercial Banks

In recent years,as the proportion of small enterprises and micro-enterprises in China's overall economy has increased year by year,China has provided more policies to support and promote the development of small and micro enterprises.At the same time,the development of small business and micro-enterprise finance has become the transformation direction and development direction of large state-owned commercial banks.In recent years,commercial banks have begun to attach importance to the design and development of small and micro enterprise loan products,and new small and micro enterprise loan products have been launched to support the development of small and micro enterprises.Compared with the financial business of large and medium-sized enterprises,there is still information asymmetry between small and micro enterprises and commercial banks.There are some factors restricting the development of small and micro enterprise loan product management,and there is no fundamental solution to small and micro enterprise loan products.Management issues such as high bank promotion costs,asymmetric information between banks and customers,customer credit risk,and short business life cycle.The thesis analyzes and studies the small and micro enterprise loans of commercial banks.Firstly,it analyzes the status quo of small and micro enterprise loan business of commercial banks.Secondly,it applies the management theory of bank database model and combines the relevant small and micro enterprise loan theory to establish a product management model for small and micro enterprise loans.Finally,it makes reasonable information on customers.Qualitative and quantitative analysis,thereby reducing the cost of bank promotion,reducing the information asymmetry between banks and customers,and improving the efficiency of product management.In the course of the research,the paper analyzes the feasibility of commercial bank small and micro enterprise loans and database-based product management,and takes the construction bank H branch online government procurement loan as an example to explore the establishment process of commercial bank small and micro enterprise loan product database.Determine the information flow of key indicators and analysis models,and research innovative product management for online banking procurement loans of CCB H-shares from database-based product management strategies,data analysis processes,and customer marketing feedback.Then,through the statistical software,the customer data is subjected to linear regression analysis,and the analysis results are subjected to product management.Finally,the feedback data of the marketing customers is organized to follow up the analysis results to improve the accuracy of the product management model.