| In recent years,many small and micro enterprises in China are faced with difficulties in financing and borrowing,and their development is slow.However,small and micro enterprises account for a large proportion of domestic enterprises and are distributed throughout the country,playing an irreplaceable role in economic development and employment promotion.In order to relieve the financial difficulties of small and micro enterprises,the state has introduced many policies to support the development of small and micro enterprises,encouraging major commercial Banks and small and medium-sized financial institutions to provide financial assistance to small and micro enterprises,in order to solve the bottleneck problem of capital in the development of small and micro enterprises.Policy support and realistic demand make small and micro credit develop very quickly,among which the small and micro credit business of commercial Banks is more prominent.Commercial Banks first introduced IPC microcredit technology from Germany to manage microcredit business.However,this technology requires high technical and moral level of credit personnel,and it is mainly based on manual loan review.Relying on artificial technology to carry out micro-loan business,the development of micro-loan technology is limited,and the service scope cannot be further expanded.The development of Internet finance,on the contrary,does not require too much labor force,has comprehensive information collection,and is highly efficient and fast in reviewing loans,which is favored by financial institutions.Commercial Banks using Internet technology to improve the existing micro lending technology,can provide convenient and efficient service for the customer,and can save the management cost and improve management efficiency,its response to the competition in the financial markets at present stage is an effective measure to raise their profitability,as well as the management need to face and study a pressing subject and realistic test.CS bank is organized by CS to reform rural credit cooperative association of shareholding system of rural financial institutions,since its inception has been the service to agriculture,rural areas and farmers and the vast majority of small micro enterprises as key to vigorously implement the strategy of its development,as early as 2008 began to explore the development of micro loans,the introduction of German IPC micro lending technology,set up small loan center.At the present stage,the implementation of micro-loan business mainly focuses on manual loan review and management,which not only takes time but also increases the management cost.It is urgent to use Internet technology to improve micro-loan technology.This paper takes the improvement of CS rural commercial bank's micro-loan technology from the perspective of Internet finance as the research topic,analyzes its problems in micro-loan technology,and proposes countermeasures and Suggestions for CS rural commercial bank's micro-loan improvement and safeguard measures based on Internet finance.The following points are obtained through the research.(1)problems existing in the micro-loan technology of rural commercial Banks.There are five aspects: single and rigid marketing mode,poor utilization of data analysis,insufficient artificial intelligence of loan process,inadequate service informatization,and insufficient risk prevention technology.(2)countermeasures and Suggestions for improvement of CS rural commercial bank's micro-credit technology.This paper analyzes and expounds five aspects of applying for online marketing,introducing big data analysis,promoting online and offline synchronously,vigorously implementing information services and strengthening risk prevention.(3)CS rural commercial bank micro loan technology improvement countermeasures and security measures.The guarantee measures are put forward from four aspects: human resource guarantee,fine management guarantee,performance appraisal guarantee and enterprise culture guarantee. |
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