Research On The Advantages And Disadvantages Of Small And Micro Enterprise Credit Business Of We Bank

Small and micro enterprises are an important part of China's national economy.Due to their own economic weakness and the limitations of the traditional financial institutions' business model,small and micro enterprises often face the difficulties of financing not smooth and high cost in the development process.The insufficient supply of funds is one of the important reasons that restrict the development and growth of small and micro enterprises.In recent years,the state has successively issued supporting policies for small and micro enterprises in financial services,tax reduction and fee reduction,to alleviate the financing pressure of small and micro enterprises,and at the same time,guide the financial field to continuously explore and innovate new models for small and micro enterprises.With the wide application of Internet,cloud computing,big data and other emerging technologies in the financial field,the trend of mutual penetration and integration of the Internet and finance is becoming more and more obvious.Guided by the "national ten" and "Internet +" policies of financial reform,Internet banks emerge as the times require,which not only greatly promote the reform and development of the financial field,but also meet the growing small and micro enterprises Industrial loans and personal financial consumption demand have played a huge complementary role.Up to now,eight of the eighteen private banks approved for establishment in China are Internet banks.Among them,WeBank is the first private bank approved by China Banking Regulatory Commission and the first Internet Bank in China.At the beginning of construction,it paid attention to the general public and was committed to helping small and micro enterprises.With its convenient and efficient financial service mode,significant advantages of data-based information platform and comprehensive system supervision,micro banks provide practical and effective solutions to the difficulties and pain points encountered in the process of small and micro enterprise loans.This paper focuses on the use of literature research,case study,comparative analysis,taking WeBank as an example.In the case analysis,it focuses on the development status of WeBank,summarizes the market positioning,operation mode and risk control system of micro public banks,introduces three featured products of WeBank,and investigates the operation performance of WeBank.This paper summarizes the cost and product design of WeBank in line with the financing characteristics of small and micro enterprises,and uses big data technology to effectively reduce information asymmetry and other advantages.It analyzes the problems existing in the development process of WeBank,such as the weak position of attracting deposits,the single marketing channel,and the deep homogenization of small and micro credit.Based on the above analysis and summary,it concludes that the development of WeBank is small The experience and Enlightenment of micro credit.