The Study Of Small And Micro Businesses Credit Under Age Of Big Data

Now,small and micro businesses develop rapidly with the government support.The number of enterprise increases rapidly and overall scale continuously extends.Now,small and micro businesses have become important force for national economic development.Because the little credit demand and high default credit rate traditional credit products can not satisfy the demand of small and micro businesses,the problem of small and micro businesses credit is widely existed.With the rapid development of web technology,big data brings opportunity and challenge for the development of bank credit business.On the basis of analyzing the cause of problem for small and micro businesses credit,the thesis discusses the application of big data in "wisdom" small and micro businesses credit product.After constructing assessment indicator system and evaluation method,the thesis takes "yidatong" credit product as an example to discuss the development process of small and micro businesses credit products,the main contents of this thesis are as follows:Firstly,The thesis discusses the connotation of the concept of small and micro businesses and the concept of financial innovation.it discusses the necessity of credit product innovation from small micro enterprise credit financing demand and credit product innovation significance.The thesis discusses development tendency for small and micro businesses credit and analyze main problems in credit product.Secondly,the thesis analyzes the relationship between the big data and micro enterprise credit relationship innovation.Based on giving big data connotation and industry application,the thesis analyzes the influence of big data on bank’s credit product from opportunities and challenges.This thesis introduces the concept of "intelligent" product,analyzes the characteristics of the "intelligent" product,and gives the application mechanism of the big data in the bank.Again,after construction of credit evaluation method based on big data,the thesis gives the analytic hierarchy process analysis step and points out its advantages and disadvantages.Fuzzy method is used to improve analytic hierarchy method.It also gives a classification model of enterprises based on deep learning model.Finally,taking "yidatong" credit as an example,the thesis discusses the concrete implementation of "intelligent" credit products.On the basis of the construction of the index system,the thesis uses fuzzy analytic hierarchy process(AHP)to conduct a comprehensive evaluation of the applicants,and selects the outstanding applicants to issue loans.The studies of the thesis shows that credit product based on big data has strong classification ability.The product plays a very important role in strengthen competitiveness and innovation.