Research On The Reform Of Small And Micro Credit Under The Background Of Big Data—A Case Study Of ZZ Bank

Commercial Bank is the blood of modern financial system,which has many functions such as adjusting economy,creating credit,paying intermediary and so on.As an important pillar of national economic development and social stability,micro-and small-scale enterprises occupy more than 90% of the market and create more than 80% of the jobs,which is an important support for the sustainable development of commercial banking.However,limited by their own characteristics and factors such as bank,Information asymmetry and so on,there are very limited financing options for small and micro enterprises.Commercial banks are an important channel for financing small and micro-enterprises.In the process of traditional small and micro-credit business,due to the lack of effective data support,small and micro-credit business often can not be carried out in batches and intensively,to a certain extent,the financing of small and micro enterprises is difficult and expensive.The emergence of big data technology has brought new opportunities to the financing of small and micro enterprises under the traditional mode,it can effectively promote micro-credit business marketing precision,business model innovation and intelligent risk management,so as to achieve micro-credit business intensive,batch,automated operation,micro-credit business model change,finally really benefit the healthy development of China’s small and micro enterprises.Therefore,the study of small and medium-sized banks in the context of big data micro-credit business model innovation is of great practical significance.In this paper,using SWOT model,through the research method combining theory with practice,combined with China’s Financial Industry Regulatory System and policy guidance,and with the help of big data theory,we comb the credit problems of small and micro enterprises,by comparing the advantages and disadvantages of using big data technology to develop credit business,this paper analyzes in detail the big data application of Zz Bank in micro-credit field,this paper points out the deficiency of micro credit business of Zz Bank in the application of big data.Then,the paper puts forward some strategies to change the business model of micro-credit under the background of big data of Zz Bank: one is to strengthen the management of empowered customer group,and to realize accurate marketing;the second is to improve customer intelligent risk analysis mechanism and intelligent anti-fraud system;the third is to build a scientific credit scoring system for micro-enterprises;the fourth is to speed up the establishment of micro-credit after the intelligent supervision model.By improving the online micro-credit business model and big data enabling,Zz Bank micro-credit business to promote high-quality,sustainable development,for the financing of msmes to bring more opportunities.