Research On Risk Management Of Online Credit Business Of Small And Micro Enterprises Of Bank A Suzhou Branch

Banks use Internet big data technology to constantly enrich online credit products for small and micro enterprises and improve the online financing rate,which is of great significance to better support the development of small and micro enterprises and promote the digital transformation of loans.Because of the particularity of small and micro enterprises and the lack of mature experience of commercial banks in developing online credit business,it is very difficult for commercial banks to control risks when developing online credit business for small and micro enterprises.In the context of the development of inclusive loans by commercial banks,it is of great practical significance for commercial banks to study the risk management of online credit business of small and micro enterprises.Taking Suzhou Branch of Bank A as an example,this paper studies the risk management of online credit business of small and micro enterprises.Firstly,the information asymmetry theory,process banking theory and transaction cost theory are expounded,the domestic and foreign literatures on credit risk management of small and micro enterprises and credit risk control of commercial banks using big data are summarized.Then,it introduces the current risk management status of online credit business of small and micro enterprises of Bank A Suzhou Branch,analyzes the risk management of online credit business of small and micro enterprises in Suzhou Branch of Bank A,and makes an in-depth study on the internal and external environment of online credit business of small and micro enterprises in Suzhou Branch of Bank A.Then,it reveals the problems and causes of the risk management of online credit business of small and micro enterprises in Suzhou Branch of Bank A,such as insufficient pre-loan investigation,inadequate post-loan management,low team quality,Insufficient risk management innovation in product design and imperfect restriction mechanism of functional posts.Finally,this paper puts forward the countermeasures of online credit risk management for small and micro enterprises in Suzhou Branch of Bank A from the aspects of improving team quality,optimizing online assessment,paying attention to the development and utilization of information resources,accelerating online product risk management innovation and accelerating online business process reengineering.