Research And Practice Of SME Credit Pattern Based On Data Mining

A large number of small and micro enterprises in China,have gradually become an important part of the national market economy.Small and micro enterprises are widely distributed in the three major industries,involving almost all industries and business areas in the market.They play a very important role in promoting economic employment growth,supporting scientific and Technological development and innovation,and maintaining social stability and harmony.However,Because its own characteristics and information asymmetry between banks and other factors,the real choice of financing methods for small and micro enterprises is very limited,Financing difficulties often restrict the development of small and micro enterprises.Commercial banks are an important channel of financing for small and micro enterprises.Because the process of developing traditional micro-credit business is lack of effective data support,small and micro-credit business often fails to achieve large-scale and intensive development,which to a certain extent leads to the difficulty and high cost of financing for small and micro enterprises.The emergence of big data technology has brought new opportunities to the financing of small and micro enterprises under traditional finance.The planning and application of big data can effectively promote the transformation of micro-credit business marketing,risk management,post-loan management,product innovation and business process,so as to realize the intensive,batch and automated operation of micro-credit business,and ultimately enhance the micro-credit industry.Cost performance ratio of business.Therefore,it is of great significance to study the innovation of small and medium-sized banks' credit model in the context of Internet finance and to solve the financing difficulties faced by small and micro enterprises.Based on the comparative analysis of the existing financing modes of small and micro enterprises,and combined with the financial supervision system and policy guidance in China.This paper makes an analysis and Research on the credit mode of small and micro enterprises,the application of big data,the establishment of scoring model,the risk control of small and micro loans and product design.By using big data technology to mine and analyze the third party data.An efficient scoring model is established and embedded in the loan process of small and micro enterprises,which realizes online application,online approval and online lending of small and micro enterprises' credit,and actively explores the transformation of small and micro enterprises' credit from mortgage loan to credit loan.In addition,this papercombines the Internet thinking.An open online lending service platform is constructed(this paper is called "micro-enterprise credit platform",referred to as "micro-credit platform"),using credit scoring model to credit rating customers,laying the foundation for the promotion of micro-credit products,through the use of the online micro-credit model,the micro-credit platform will be built into a benign finance.Service platform brings more opportunities for the development of small and medium-sized banks and financing of small and micro enterprises.