Research On Risk Control Optimization Strategy Of WZ Company’s Bank-tax Interactive Product

"Bank-tax interaction" is to solve the problem that enterprises can’t get loans if they want to,and banks can’t get loans by converting tax credit of enterprises into financing credit.It has played an active role,and has formed a credit business model with commercial banks,small and medium-sized enterprises,tax authorities,and corporate credit reporting financial institutions as the main body.It has the advantages of high efficiency,low interest rate,and low risk.This paper takes WZ Company,a corporate credit reporting financial institution as the research object,analyzes the institution’s role in the entire credit chain,and expounds multi-dimensional data such as taxation,industry and commerce,justice,invoicing,intellectual property,anti-fraud,credit reporting,debt securities,and patents.Data collection,through big data,artificial intelligence,machine learning and other technical means,cleaning into a standard database of available data sources,using years of experience in the enterprise credit product industry and intelligent risk decision-making engine system,according to the characteristics of bank products and customer groups,Process risk index rules,and develop a series of financial tax credit products such as Bank Tax Loan,Tax Easy Loan,Tax Easy Finance,Tax Loan Tong,Ticket Chain Loan,Science and Technology Enterprise Loan,and Export Tax Rebate Loan,which are the risks of bank credit products.Decision-making and post-loan early warning provide strong support,allowing banks to fully understand the taxation situation,industry situation,historical situation,and operation situation of enterprises,reduce risks,increase profits,and form a complete set of credit intelligent risk control solutions.