Research On Countermeasures Of CS Bank Serving Small And Micro Enterprise Financing Under The Background Of Digital Finance

Digital finance is reshaping the service model of the financial industry.Small and micro enterprises have small financing amount,urgent time,short term,high financing cost,limited financing channels,low financing credit and high default risk.Due to the uncertainty of operation,moral hazard and adverse selection problems exist,resulting in high risk of default.The limitation of the size and capacity of small and micro enterprises in China has not received enough attention in the banking industry,and the "difficult" and "expensive" problems commonly encountered in the financing process restrict the growth of small and micro enterprises.The birth of digital finance provides new opportunities for small and micro enterprises.Therefore,this study analyzes and improves the problems related to digital finance in the banking industry and small and micro enterprises to improve the profitability of the banking industry.After studying the small and micro financial products,this paper discusses the problems of CS Bank’s microcredit service at the present stage,and makes efforts to improve the problems so as to promote its further adaptation to the work of microcredit service.First of all,this paper systematically combs the relevant literature,which mainly clarifies the concept of small and micro enterprises and digital finance,expounds the theoretical basis,and introduces information asymmetry theory,market positioning theory and marketing strategy theory.After this part of literature research,we can better analyze the problems in article learning.Next,it introduces CS bank’s microcredit products and specific business conditions,and analyzes the problems existing in the current microcredit services.Because the current products of this industry are mainly microfinance products of small and micro enterprises,their advantages are not prominent compared with other competitive products,and the category and marketing mode are also lack of novelty.Therefore,CS Bank’s financing products for small and micro enterprises lack sufficient market.The application of big data analysis and artificial intelligence technology in small and micro financial services has not yet been realized,the transparency of information retrieval is not high,and the data application is not intelligent.There are relatively few online financial products.And analyzes the causes of the problems;Finally,optimization suggestions are put forward.In addition,optimization suggestions are put forward from service innovation,guarantee mode,credit support and other aspects to promote the improvement of CS bank’s small and micro financial services.The research results of this paper show that,relying on its own advantages,CS Bank actively explores new ideas and new methods,uses big data technology to obtain business information from small and micro enterprises,and effectively alleviates information asymmetry.Experience and reference should be provided through various channels to speed up the business process cycle,improve the financing efficiency of small and micro enterprises,and promote the smooth progress of credit transactions.