The Design And Realization Of Small Micro Enterprise Credit Risk Decision Platform

More and more banks began to pay attention to the financial needs of small and micro enterprises and small and micro enterprises have launched fit the needs of financial services. However, there is the difficulty of monitoring, high operating costs, information asymmetry between banks and other common problems of small and micro enterprises customer service. Under asymmetric information is not timely, the tedious manual operation, the approvers misjudgment, regulatory failure is likely to result in high-risk loans. In order to improve credit management and asset quality of commercial banks, improve credit approval business processes, improve processing quality and efficiency, we need to build for small and micro enterprises credit approval decision-making platform.The platform consists of the following three parts, part consolidation within the data model associated with each customer line application system information, including counters, personal loans, small and micro loans, music cashier, sale inspection, water and other new core, for various statistics and data model development. Customer service line and external information section contains the line between inside information module, water analysis module, sale inspection and behavior scores query module, customers integrated video pieces, third-party information query module, the model used to generate and push services index derivatives. And client-based electronic archive Hadoop big data platform that integrates business, courts, water, contacts, images, surveys, check the information generated aftermarket electronic files within a unified customer line.The platform is built and improve customer loan before the examination, the bulk of credit processes, supporting small and micro business loans and retail customers transformation, reduce operating costs, operating costs, improve the small and micro-scale, improve profitability of small and micro finance banks, effectively reducing solved benefits and costs not a problem. The entire small and micro business process transformation of key infrastructure projects, has been officially launched and running, its use reduces the front-end information collection; to achieve a customer survey, review and approval link paperless; each stage of the process to achieve the interaction of electronic records check for updates management; fully supports the decision engine model generation and push to generate auxiliary complete assessment of the proposals reviewed for approval; reduce risk, improve risk warning predictive ability.