Research On The Application Of Big Data In Small And Micro Enterprise Credit Business Of Commercial Banks

With the China's interest rate marketization and financial disintermediation process continued to deepen,China's commercial banks will face more intense competition in the market,commercial banks have to engage in strategic restructuring.The era of big data,marketing models become more precise and real-time,service model becomes more and more personalized and customized and need to marketing strategy in line with the characteristics of the times,on the market investigation,product strategy,channel segments,marketing strategy,such as the traditional marketing strategy development and extension of the development of real-time marketing,social marketing,marketing behavior for new marketing methods,of non structure,multi dimension information to be integrated and keep updated in real time,will profoundly affect the commercial bank marketing rules.China's commercial banks must be based on the age of big data,timely adjust and develop marketing strategies,the use of marketing mix,grasp the marketing environment,to maximize meet the needs of the market.With the continuous development of the Internet,the enterprise and the financial industry has been more and more attention to the intelligent collection of various types of data,big data has become a major means of the development of enterprises and the financial industry at present.At the same time,with the number of the Small and micro businesses continue to increase,the Bank of Small and micro businesses credit business data management industry is more and more complex.Under the background of big data,Small and micro businesses in the credit business management and how to realize the automation and intelligent,plays an important role in the development of the banking industry.At present,the banking industry competition pressure is gradually increased,the traditional business process has been unable to adapt to the current trend of social development.How to use big data to strengthen the management of small and micro credit business is the focus of this paper,for the development of small and micro credit business in the banking industry has important significance and role.