Research On Credit Strategy Optimization Of Small And Micro Enterprises Of ZBZG Bank Under The Background Of Financial Technology

In recent years,the rapid development of financial technology represented by big data,blockchain and artificial intelligence has promoted commercial banks to continuously innovate financial products and service channels and gradually transform to digital financial institutions.Small and micro enterprises are an important foundation for China’s economic development and people’s livelihood stability,on the one hand,the state has issued a series of support policies around the development of small and micro enterprises,on the other hand,it requires commercial banks to increase their credit support.Based on the above background,driven by the development of financial technology,the problem that commercial banks were unwilling to give credit to small and micro enterprises due to information asymmetry and small asset scale has been greatly alleviated.Commercial banks are also keenly aware of the huge business potential of the large group of small and micro enterprises,trying to strengthen the application of financial technology,develop and promote online credit products,simplify the operation process,improve the experience of small and Micro customers,and actively expand the credit business of small and micro enterprises while effectively serving the real economy.The purpose of this paper is to optimize the credit strategy of small and micro enterprises of ZBZG bank,consult relevant literature,learn and study the development and innovative application of financial science and technology,the basic theories related to the credit of small and micro enterprises of commercial banks,and analyze the current situation and existing problems of the credit strategy of small and micro enterprises of ZBZG bank,with the help of PEST model,this paper analyzes the credit environment of small and micro enterprises of ZBZG bank under the background of financial technology,puts forward the objectives and principles of optimizing the credit strategy of small and micro enterprises of ZBZG bank under the background of financial technology,formulates specific optimization schemes involving four dimensions: product customer acquisition,credit approval,operation process and risk control system,and improve safeguard measures from four aspects of system,technology,organization and talent.In addition,with the help of questionnaire survey,this paper creatively brings the credit evaluation index of the actual controller of small and micro enterprises into the credit evaluation system of small and micro enterprises of ZBZG bank,and tries to use the judgment matrix for quantitative analysis to improve the existing credit evaluation system of small and micro enterprises of commercial banks.This paper concludes that under the background of financial technology,ZBZG bank should fully grasp the development trend of financial technology,based on the regional market,and optimize the credit strategy of small and micro enterprises as soon as possible.By accelerating the expansion of credit channels for small and micro enterprises,innovating online credit products,promoting the optimization of credit process,reshaping the organizational structure and talent team,comprehensively improving the credit efficiency and customer experience of small and micro enterprises,so as to seize the first opportunity in the fierce inter-bank market competition.At the same time,the rapid development of financial technology is still in progress,especially the continuous and in-depth development of blockchain and artificial intelligence technology,which will further promote the transformation of commercial banks to intelligent financial institutions.ZBZG bank still needs to continue to strengthen the research and application capacity of financial technology in the future.