Research On Credit Risk Management Of Small And Microenterprises Loans Based On Big Data

In recent years,relying on the accuracy,authenticity and diversity of big data,domestic commercial banks have applied big data to risk identification,evaluation,product design,risk monitoring and other aspects of financing for small and micro enterprises,which plays a positive role in reducing information asymmetry and solving the financing difficulties of small and micro enterprises.G bank is the largest commercial bank with assets in China,and the L branch of G bank where the author works has developed the financing business of small and micro enterprises based on big data financing,although the number of customers and loan scale of small and micro enterprises have increased rapidly,the overdue rate and non-performing rate have been increasing continuously,and the asset quality has declined.Aiming at the above problems,this paper analyzes the reasons of poor asset quality control of G Bank's financing products for small and micro enterprises based on big data from the process of credit risk management,and puts forward targeted suggestions.Firstly,this paper introduces the current situation of domestic small and micro enterprise financing business,the traditional small and micro enterprise financing products of domestic commercial banks and the small and micro enterprise financing products based on big data,taking this as the case background.Then,through field investigation,this paper introduces G Bank's financing products for small and micro enterprises based on big data and its development,and through literature research,case analysis and model analysis,explores the problems and reasons of credit risk management in L Branch of G Bank when developing such businesses: including the failure of credit risk control environment to adjust according to the changes of products,which makes post setting,personnel matching and performance appraisal unsuitable for the development of the above products;Because the target of credit risk identification is unclear,the access conditions for this kind of products are not comprehensive,and they are only in the form before lending;Due to the incomplete selection of variables in the rating model of such products,the rating is not accurate enough;Due to the lack of big data acquisition,analysis and mining capabilities of G Bank,there are also shortcomings in the credit line verification method for such financing products;Due to the simple monitoring means of financing use,the financing use of such products cannot be effectively monitored.Through the above research,this paper aims to put forward suggestions for improving risk management for G Bank's financing business of small and micro enterprises based on big data,so as to improve the asset quality of such products,including the credit risk control environment should be adjusted accordingly with the changes of products;Establish a clear risk identification target and improve the risk identification mechanism;Improve the ability of data acquisition,analysis and mining,and enrich the data base of rating credit;Improve the rating index system and credit measurement methods to improve risk control capabilities;Improve the financing payment methods and financing use monitoring methods for such products.Because I take my unit as an example,I can master the first-hand information,and the problems and countermeasures put forward have certain practical significance in theory and practice,so the research in this paper can also provide reference for other commercial banks to carry out similar business,and contribute to the long-term healthy development of this kind of business.