Research On The Design And Improvement Of Small And Micro Credit Database Of CS Bank

Data to guide banking financial institutions to strengthen management,improve the data quality,data value into full play,enhance the level of management,from rapid growth to changes in the development of high quality,on May 21,2018,the bank of China insurance regulatory commission issued the "banking financial institutions data management guidelines",requiring the banking financial institutions to data governance into the category of corporate governance,establish a top-down,coordinated system of data management.By establishing the organizational structure,clarifying the responsibilities and requirements of the board of directors,board of supervisors,senior management and internal departments,the banking financial institutions shall formulate and implement systematic systems,processes and methods to ensure the unified management,efficient operation of data and the dynamic process of giving full play to the value in the operation and management.At the same time,it also puts forward four governance principles: the principle of full coverage,the principle of matching,the principle of sustainability and the principle of effectiveness.CS bank is a joint-stock rural financial institution established through the restructuring and establishment of CS rural credit cooperative association.Since its establishment,CS bank has always taken the service of agriculture,rural areas and small and micro enterprises as its key development strategy.As early as 2008,it began to explore and develop micro loans,introduced the IPC micro loan technology from Germany,and set up a small loan center.At present,the implementation of small and micro credit business in rural finance is mainly based on manual loan review and management,which not only takes time but also increases the management cost.It is urgent to improve the business process and data management of small micro credit by using large database management.This paper takes the design and improvement of the large database of small and micro credit of CS bank as the research subject,analyzes its problems in the big data of small and micro credit,and on this basis,puts forward the specific design and safeguard measures for the improvement of the large database of small and micro credit of CS bank based on the big data management of small and micro credit business.The following points are obtained through the research.(1)There are some problems in the small and micro credit database of CS bank.From the four aspects of business maintenance management function,collateral management function,credit function and statistical analysis function,this paper expounds the existing problems in detail.(2)CS bank small and micro credit big database improvement specific design.From the four aspects of business maintenance management function improvement design,collateral data management function improvement design,credit function improvement design,large database statistical analysis function improvement design,the specific improvement design is carried out(3)CS bank small and micro credit big database design improvement safeguard measures.This paper expounds the four aspects of building the top-level design of big data development strategy,establishing the operation mechanism and management standard of big data,improving the data acquisition ability from the source,and strengthening the effective integration of all kinds of data...