Internet Financial Times Management Analysis Of Credit Risk Based On China’s Commercial Banks To Small And Micro Enterprise

March two thousand and fourteen, the country held the Second Session of the Twelfth National People’s Congress, meeting clear that our focus in 2014 is to deepen financial reform, the report highlighted the work of the government to speed up the construction of credit system, to further increase the small and micro corporate tax incentives to promote the development of the Internet and a series of financial reform objectives.China’s credit system not perfect is a long time problem. The beginning of reform and opening up, led by the People’s Bank, China’s very early establishment of credit rating agencies, but from 1990s of chaos, to the two thousand and six "fuxi short financial" event, the credit rating industry in China’s development is very rough, but when until today, China has also not issued any film about an independent legal credit rating.In nineteen ninety-eight, the reform of China’s commercial banks internal rating system, abandoned, "a stay of more than two," the classification system, the full implementation of loan classification method, promoting the development of China’s commercial banks’internal ratings. However, think globally, from the 1980s to start using the Logit model KMV model of the Asian financial crisis broke out in nineteen ninety-seven after the International Commercial Bank already using statistical models of internal ratings. By contrast, we find that the development of China’s commercial banks’internal rating system has just begun.Affected by asymmetric information, unsound financial indicators and other factors, China’s commercial banks to small and micro enterprises have been very careful to credit approval. In recent years, due to external ratings and internal ratings slow development of small micro-enterprise financing problem highlighted. In order to solve the two problems of employment and consumption, the state introduced policies to foster small and micro enterprises, many commercial banks have eased lending restrictions on small and micro enterprises, but commercial banks to small and micro enterprise credit risk management and control tools are not yet ripe, banks still exist huge exposure.In two thousand and thirteen, entered a rapid development period of Internet banking, Jingdong Mall and Alibaba Internet companies represented excellence not only in the field of electronic commerce, but also began to get involved in the financial sector, and effective solution to the small and micro enterprises on their platform of loan demand. This article aims to analyze the financial Alibaba and other Internet companies to small and micro enterprise credit risk control mode, from the perspective of the supply chain and continue to observe the flow of corporate funds commercial banks in China to explore ways and means of small micro-enterprise credit control.