Research On The Development Countermeasures Of L Bank’s Small And Micro Credit Business Under The Background Of Big Data

In recent years,"big data" has become a hot word.Digitalization,cloud computing,blockchain,artificial intelligence and other digital technologies are developing at a rapid pace.Digital transformation is in full swing in all walks of life.In this context,it is imperative and urgent for commercial banks to use fintech to carry out the transformation and development of small and micro enterprise credit business.Small and micro enterprises are crucial to the development of the national economy.They are small in size but large in number,and their activeness is obvious in the whole market economy.They play a significant role in solving social employment,increasing people’s income,stimulating economic growth and improving social stability.Therefore,how to use big data technology to break through the limitations of time and space,significantly connect commercial banks with small and micro enterprises quickly in the medium and long term,and solve the financing difficulties and expensive problems of small and micro enterprises has become a development strategy that should meet the needs of the time.The research object of this paper is the credit business of small and micro enterprises of L Bank under the background of big data.Starting from the credit mechanism of small and micro enterprises and the technical characteristics of big data,it is based on the Long tail theory,platform economy theory,credit risk management theory,information asymmetry theory and big data risk control theory.Then it analyzes the cases of We Bank and other Internet banks using big data to develop small and micro credit business.Secondly,taking L Bank,a state-owned bank in L City,as an example,this paper analyzes the development status of L Bank’s small and micro online fast loan from the aspects of product system,product characteristics,operation effectiveness and data-based management,and cites L Bank’s small and micro enterprise loans and small and micro online fast loan data in recent five years.This paper analyzes the operation effect of Xiaowei online Fast loan of L Bank from four aspects: total loan and growth rate,number of loan customers,non-performing loan rate and average loan amount per household.Under the background of big data,the paper analyzes the problems and causes of L Bank’s small and micro enterprise credit business,such as single data acquisition scenario,data governance ability to be improved,risk control technology not really mature,lack of open and shared data platform.In this case,as a state-owned commercial bank,it is of great practical significance for L Bank to make its small and micro credit business continue to lead the pace of fintech in the industry through the use of big data,and to build a brand of small and micro credit business belonging to L Bank in this city.Therefore,in the end,specific measures are proposed to solve these problems,such as eliminating fake information and enriching big data acquisition scenarios,optimizing credit business risk control of small and micro enterprises,utilizing intelligent network credit platform,optimizing credit process of small and micro enterprises,designing innovative products with big data,guiding credit business marketing with big data and strengthening the construction of big data professionals.This paper provides practical suggestions for L Bank to use big data to develop small and micro enterprise credit business,which is of practical and theoretical significance.Of course,there will be a variety of problems in practical operation,which needs to be further studied in the future.