Research On Financing Service Of China Construction Bank BS Sub-branch Small And Micro Enterprises Supported By Big Data

In China,small and micro enterprises have been important participants and beneficiaries of the reform and opening up for 40 years.They are solid foundations for promoting employment,improving people's livelihood,stabilizing society,developing economy and promoting innovation.They are also the largest and most dynamic enterprise group in the main body of market economy.However,in recent years,with the global economic downturn,China's economic growth has slowed down gradually,and the survival of domestic enterprises,especially small and micro enterprises,has been challenged.In the process of development,the problem of difficult and costly to obtain financing always exists.Although a series of policies adopted by the state in recent years to support the financing of small and micro enterprises.But there are some phenomena such as "information asymmetry" between banks and small and micro enterprises,lead the banks lacking the motivation to improve the financing service level of small and micro enterprises.With the advent of the era of big data on the Internet,some banks have tried to explore the financing service model of small and micro enterprises based on big data support,and achieved some results.However,they have also exposed some shortcomings and defects,resulting in frequent problems such as data barriers and lagging data,and still have not fundamentally solved the financing difficulties of small and micro enterprises.The author is the manager of The Inclusive Finance Department in the branches of one state-owned large commercial banks.Based on years of relevant work experience and consideration and innovation of customer needs,this paper analyses the application of big data in China's financial field and the problems it faces.From the perspective of serving the financing of small and micro enterprises,this paper designs the innovative financing service mode of small and micro enterprises supported by big data of banks.Taking JS Bank as an example,this innovative service model is applied in practical work,and market data feedback is collected to optimize the process in practice to prove the validity of this argument,and an effective and replaceable financing service model for small and micro enterprises supported by large data is proposed.