Research On The Supervision Mode Of Micro-loan Companies Based On Big Data Technology

With the improvement of marketization in China and the change of economic environment at home and abroad,small and medium-sized enterprises(SMEs)play an increasingly important role in economic growth,employment creation,market activation and industrial restructuring.However,due to its own particularity,the development of small and medium-sized enterprises is constrained by various aspects,and the financing problem is the first one.In order to help small and micro enterprises to raise funds and promote the development of rural finance,micro-credit companies were born.Its appearance fills the gap of providing financial services to small and medium-sized enterprises,agricultural industries and other industries,and opens a new way for private capital to enter into the financial market.Because of the business nature of micro-credit companies and the high risk of the industry,the supervision of micro-credit companies is particularly important.With the appearance of big data technology,an all-round change has taken place all over the world.It is becoming a new trend to use big data technology to promote social and economic development,and improve government services and supervision.At present,China's micro-credit industry is developing rapidly,and the requirements and demand for supervision are getting higher and tighter.The traditional mode of off-line supervision cannot match the development of the industry and difficult to carry out the supervision work.The supervision mode needs to be innovated urgently.Based on the actual work and situation,in order to meet the needs of industry supervision in the era of big data,this paper analyses the current situation of development and supervision of the micro-credit industry,the utilization of big data technology and the advantages of its application to industry supervision With the research of the actual situation,existing problems and improvement suggestions of L City Financial Bureau,this paper try to demonstrate the necessity and feasibility of innovating and perfecting the supervision mode of micro-credit industry in China,and offer suggestions for perfecting it with the aim of pushing the new supervision mode to meet the supervision requirements of the development of micro-credit industry,and achieves the dual goals of industry supervision and development.