Practical Research On The Digital Risk Control Of Small And Micro Credit In TF Bank

With the serious impact on the country’s economic development in the post-epidemic era,and the complex and volatile global economic environment,the country’s policies to promote the development of inclusive finance continue to increase.Rapidly promoting and boosting confidence in economic development is one of the key issues at present.In recent years,the rapid development of financial technology and the mobile internet has promoted the innovation of financial products,which has significantly improved the ability of banks to meet SME’s financing needs.However,with interbank competition and low quality customers,it is more difficult for banks to balance risk control and commercial sustainability,especially for small and medium-sized banks.We need to find solutions quickly.TF bank is a small and medium-sized city commercial bank.Under the influence of multiple internal and external factors,it has actively innovated financial products serving SME based on its market positioning and policy orientation.In recent years,it has also actively explored and participated in the digital construction and seek ways of industrial platform cooperation by subdividing vertical industries,cultivating in-depth service capabilities for SME.By using its own financial technology and digital capabilities,TF bank innovated online loan and risk control processes.A SME credit risk control scheme was formed with TF bank’s characteristics,which effectively improved the ability of inclusive financial services,and promoted the implementation of services for the real economy.In this paper,the current innovation points are refined and problems are summarized based on application of digital risk control of small and micro credit in some cases of TF Bank.At last,relevant strategy and methods are advised.I wish that the study in this paper can be reference materials to help small and medium-sized banks to enhance their ability in digital risk control with respect to small and micro inclusive finance.