| With the ever-changing forms of the international financial market,the process of interest rate liberalization is gradually advancing,and the reform and transformation of local commercial banks is also on the agenda,and its development is also imminent.As a huge and promising asset business incubation pool,small and micro enterprises can promote the healthy development of commercial banks’ credit business in the area of big data for small and micro enterprises,and facilitate the rapid transformation of commercial banks.With the further development of the Internet,the intelligent data screening of big data and the recommendation and maintenance of fixed-point customers in the current financial services have become an indispensable means for the development of the industry.In the context of big data,the application optimization of small and micro enterprises in commercial banks in terms of big data in credit business deserves further discussion.Based on the actual situation of the credit business of small and micro enterprises in Hangzhou Bank and the basis of specific application practice,this paper adopts specific means and methods that combine theory and practice,and understands the current development and application of big data in the development of commercial banks’ credit business from literature review.Based on the actual research situation,and further combined with relevant theories such as information asymmetry,game,information rationing,big data risk control,etc.,the application of big data in the credit business of small and micro enterprises of Hangzhou Bank is analyzed.In response to the problems of incomplete supply and demand matching,damaged information collection channels,and difficult to control capital flow when small and micro enterprises apply big data,the specific optimization plan is as follows:The first is internal optimization:（1）Strengthen financial technology research and development,explore big data financial models and intelligent risk control models that meet the needs of small and micro enterprises in my country,adjust access rules and data parameters in real time,and continuously optimize and adjust risk control models and processes.Improve the applicability and flexibility of big data risk control,and improve the approval rate and availability rate of small and micro enterprise loans.（2）Broaden the application scenarios of big data in finance.Strengthen the construction of an open financial ecosystem with partners,and carry out active marketing with the help of production scenarios such as procurement,production,and sales of enterprises and life scenarios such as food,clothing,housing,and transportation,and financialize and digitize application scenarios.The production and life scenarios are seamlessly connected to achieve precise financial customer acquisition,activation and retention,and to provide customers with customized and high-quality big data financial services.（3）Strictly implement the loan review responsibilities separation system and optimize the credit management process.The second is external integration:（1）The government can improve the system and mechanism of big data financial services for small and micro enterprises in terms of top-level design,development planning,and policy support.Effectively prevent regulatory arbitrage,illegal fund-raising,money laundering and other financial risks and illegal and criminal activities caused by regulatory lag.（2）With the help of Ali’s business model,data is integrated with the Ali platform.According to the various data resources behind it,including the internal data of corporate customers and the vast external data of customs and taxation,the information in the data can be analyzed through data mining tools.Using a variety of data models to effectively integrate and analyze,thus forming a platform-based information database and related credit system for small and micro enterprises Fill in the platform credit information. |
