Research On Credit Management Of Small And Micro Enterprises In Wuhu Under The Background Of Big Data

Small and micro enterprises are an important foundation for national economic and social development.It’s an important channel for starting businesses and enriching people.They play a pivotal role in expanding employment,increasing income,improving people’s livelihood,promoting stability,national tax revenue and market economy.In the2020 Report on the Work of the Government,the word "enterprise" was mentioned for 36 times,among which the words "small and micro enterprises,small and medium-sized enterprises" appeared 14 times.It is self-evident that the government attaches great importance to the development of small and micro enterprises.At the same time,as the state attaches great importance to the construction of the credit system,it has successively issued a number of policy documents such as the Notice of The State Council on Printing and Distributing the Outline of the Social Credit System Construction Plan(2014-2020),which points out the direction for enterprises to further enhance economic development and resist market risks.However,at present,small and micro enterprises still face many problems in credit management,such as market information asymmetry,lack of government credit management,weak cross-department collaborative governance ability,incomplete collection of credit data and so on,they all need to be solved.How to use big data to carry out credit management for small and micro enterprises,especially those in the third and fourth tier cities,is the focus of this thesis.This thesis takes Wuhu city as an example to conduct in-depth research on credit management of small and micro enterprises under the background of big data.On the basis of fully discussing the concepts of "small and micro enterprises","credit management" and "big data",literature research method,questionnaire survey method and SWOT analysis method are used to analyze the difficulties faced by small and micro enterprises in Wuhu.The thesis found that there still be some room for governmental management consciousness,channels of data acquisition,data governance,credit data rating,and data service targets.Through analysis,the contributing factors are the constraints in top-level design,governmental management,cooperation among departments,data sharing between the government and the enterprises,consciousness publicity and so on.Then the rooting for these is the lack of big data application.Finally,the thesis is based on credit management,information asymmetry and collaborative governance theory,provides countermeasure suggestions in the construction of the credit management system of the big data.These suggestions include wuhu small micro enterprise constructing credit project library mechanism and platform innovating system of credit system,strengthening the mutual connectivity of data,promoting the mutual recognition of enterprise credit information,carrying out the credit scenarios application,etc.Relevant research results help to improve the theory of credit management of small and micro enterprises,and also provide reference for small and medium-sized cities represented by Wuhu city to explore the credit management of small and micro enterprises with big data.