| At present,the vast majority of Chinese enterprises are small and micro enterlprises,small and micro enterprises are not only to solve a large number of China’s employment problems,but also to make outstanding contributions to the transformation of economic structure.The financing problems of small and micro enterprises have been restricting the development of enterprises.Commercial bank credit is the main source of financing for small and micro enterprises.The asymmetric information and high credit costs make small and micro enterprises financing difficulties.Now is an Internet financial era,big data as a symbol of the age of the Internet,can help commercial banks to integrate more data,and mine hidden information of small and micro enterprises from the massive data mine,help commercial banks to reduce information asymmetry,provide more better credit support for small and micro enterprises.This paper firstly introduces the technical theory of large data and small and micro enterprise credit theory;Secondly,by analyzing the micro enterprise loans in commercial banks,we know the current situation of the development of the commercial bank business credit for small and micro enterprises,the credit mode and existing problems of commercial banks to traditional small and micro enterprises;Then this paper analyzes the preconditions of commercial banks providing small and micro enterprises credit business in the background of big data.Under these conditions,through the establishment of comprehensive evaluation system based on big data of small and micro enterprises,promoting the small and micro enterprise credit business process reengineering and establishment of "credit factory",commercial banks improve the credit business for small and micro enterprises.This paper further discusses the mode of product innovation based on large data of commercial banks to small and micro enterprise credit.The development of targeted new products,make commercial banks for small and micro enterprises credit business more intelligent and efficient.Finally,this paper summarizes the content of the research.The analysis of commercial banks to small and micro enterprises credit business by big data,achieve a small and micro enterprises credit business intelligence,automation,unification and standardization,and provide guidance for the further development of small and micro enterprises credit business. |
