Research On Credit Risk Of Small And Micro Enterprises Based On Knowledge Graph

Small and micro enterprises in China play a very important role in the process of national economic development.Our country of the CPC Central Committee and the State Council also attach great importance to the development of inclusive finance and regard it as an inevitable requirement for China to complete the building of a moderately prosperous society in all respects.However,due to the Limited traditional effective public information of small and micro enterprises,there is serious information asymmetry when commercial banks evaluate their pre loan credit.Moreover,their credit status is closely related to the real-time financial status and living conditions of business owners and close associates.It is difficult to evaluate small and micro enterprises with reference to traditional loan evaluation indicators,which makes financing of small and micro enterprises still difficult.With the development of fintech,knowledge graph can analyze the overall situation and related relationship of small and micro enterprises more comprehensively,efficiently and accurately,so as to improve the accuracy of credit risk assessment.In this thesis,through the information of small and micro enterprises,such as the financial status,public opinion,social,industry and other information of the related personnel,we draw the knowledge graph of the association relationship of small and micro enterprises,and extract the characteristic variables from it to construct the risk control model.Then it analyzes and compares with the traditional risk control model of banks from the aspects of accuracy rate and recall rate.Explain the role,advantages,limitations and deficiencies of the knowledge graph of small and micro enterprises in risk rating.Through the research and application of this thesis,we can enhance the comprehensiveness and accuracy of risk assessment of small and micro enterprises by commercial banks,and promote their safe operation through dynamic evaluation,provide financial support for more small and micro enterprises,and promote the sustainable and healthy devel opment of small and micro enterprises.