Research On Credit Service Innovation Of Small And Micro Enterprises Of Commercial Banks Based On Big Data

At present,with the deepening of economic development to avoid the virtual and turn to reality,regulators continue to increase their support for small and micro enterprises in credit,domestic banking institutions are facing a more severe market environment,in this context,commercial banks are actively carrying out business transformation.In the big data environment,how to realize the informatization of credit services and the automation of credit resource supply has become a key issue in the cuerrent development of banks.Therefore,how to use big data technology to realize the innovation and reengineering of all-round processes of commercial banks to support small and micro enterprises’ credit business before,during and after loans,strengthen credit services for small and micro enterprises,and realize the innovation of terminal products in the bank supply market is the main content of this thesis.On the basis of expressing the research background,significance,research content and research methods,this thesis summarizes the current research status of financing loan products for small WeChat at home and abroad,and discusses the research issues.This thesis theorizes and defines "small and micro credit products","big data","information asymmetry" and "credit rationing theory".Secondly,from the current development status of small and micro enterprises credit business in China,development model,market competition based on big data,etc.,the current development status of credit business of small and micro enterprises is analyzed,and it is believed that the current credit business model has problems such as low intensification,excessive emphasis on single guarantee in risk mitigation measures,rigidity of credit business process,and late start of big data platform construction.Finally,the AHP method is used to evaluate the credit risk of small and micro enterprises,which lays a foundation for the formulation of future marketing models and risk management models.Finally,random forest algorithm is used to establish the risk prediction model of small and micro enterprise lending.