Research On The Impact Of Small And Micro Businesses Fund-raising Based On Large Data Of Commercial Bank Loan Decision-making Model

No matter in developed countries or developing countries,small micro enterprises do a great help for the development of the country's economy.Small micro enterprises play a very prominent role in solving the employment problem,promoting the integration of national economic growth and social idle resources and so on.Besides,it's competitiveness and flexibility has great help for the formation of the market atmosphere and structure,as well as in promoting national economic vitality.Loans from commercial Banks has been the main way for small micro enterprises financing,but due to the small micro enterprises' situation of demand exceeds supply in the credit markets,which leads to small micro enterprises' loans in the commercial bank's cost it too high.So,which is the hot topic in current academic circles is how to change the small micro enterprises' financing difficulties and reduce it's financing costs in the commercial bank.In the era of big data,with the continuous improvement of the current data processing technology,what greatly reduce the information asymmetry problem of small micro enterprise financing brought about by the adverse effects is to analysis and risk assessment of information through the Internet technology,So,the big data era does great help for small micro enterprises to create a new mode of commercial Banks to obtain financing,and,provides a new effective and feasible method for it to solve the financing problem.By studying the literature research,what we can know is that scholars at home and abroad have achieved fruitful results in the field of Small micro enterprise loans in the commercial bank.Especially about the question on small micro enterprise s' loan difficult,and have designed a lot of loan modes for small micro enterprises,but it's loan demand gap remains large.Commercial banks rely on large data technology used in small micro-credit business only stay in the theoretical research stage,commercial banks,large data financial use is still in the theoretical research stage,especially in the field of small micro-credit business,for the research of this field started relatively late in domestic.So,this article tries to discuss some questions about the commercial Banks,such as making full use of the "big data" advantages,exploring various cooperation,building perfect small micro credit service system,promoting the sustainable development of the business and achieving win-win situation.Based on the theory of producer equilibrium and information asymmetry,this paper takes the commercial bank loan model as the research object,first analyzes the problems existing in the small loan financing under the traditional loan mode.And then from the essence of large data,through the small micro-business and commercial banks between the game analysis,obtained large data to solve the traditional commercial bank loan decision-making model of the problems brought about by the help.At the same time,it introduces the domestic and foreign commercial bank loan decision-making model based on large data and focuses on the decision-making mode of the construction bank's small micro enterprise loan under the big data environment.By arranging the financing model of China Construction Bank based on large data,it is a detailed analysis of the financial model,which explains the changes brought by the large data on the commercial bank loan model,that is,the small enterprise financing mode.Finally,the paper puts forward the shortcomings of the existing commercial bank loan model,which is based on the large commercial bank loan model,and puts forward some policy suggestions to optimize the commercial bank loan mode under the large data environment.