Research On Innovation Of Commercial Bank Credit Loan Business Based On Big Data

Technology changes the world and innovation determines the future.The credit loan business of commercial banks has played an important role in supporting the financing of small and micro-customer groups.With the gradual sinking of the business center of commercial banks and the growing demand for financing from small and micro-customer groups,the existing credit loan business model is in urgent need of innovation.The application of big data technology in the financial field provides ideas and methods for solving the financing difficulties of small and micro customer groups.In the past,banks knew small and micro customer groups from account books and financial statements.Understanding about the industry,the business,and the enterprises did not reach the level of “knowing your customers.” In fact,regarding financial statements as the main form of information presentation attend to reduce bank’s attention to the small and micro customer groups to a certain extent,result in a narrow vision of the bank’s customers and constrain the long-term sustainable and healthy development of the bank.Now,the new technology represented by big data is applied in the practice of credit loan business.In the process of extracting the indirect data from the massive amount into a new index dimension for analyzing the operation of small and micro-customer groups,it forms an information display plan and credit evaluation system different from the financial statement system,broadens the bank’s understanding of small and micro-customer groups,enriches the channel and vision of information level and scope of displaying the micro-customer group’s appearance,greatly reduces the information asymmetry of commercial banks and small and micro-customer groups,and realizes the innovation and upgrading of “pure credit and unsecured” loan business.In addition,the application of big data technology has also promoted the automation and intelligent level of commercial banking business,reduced business costs and improved operational efficiency,which effectively meets the loan demand of small and micro customer groups and significantly stimulates the sustainable development of small and micro business.This paper begins from the current situation of credit loan business of small and micro-customer group,and starts from explaining the important role and positive significance of big data technology in credit loan business from the key areas of credit loan promotion,and then analyzes the characteristics of credit loan business based on big data.Two big-data-based commercial bank credit loan business models were proposed,and two small and medium-sized commercial banks that explored small and micro-customer groups in the way of innovative credit loans were selected.Through case analysis and comparative analysis of the two business models,this paper reveals the shortcomings of business innovation,and puts forward to suggestions for improving the innovation and development of credit loan business.