Research On Risk Management Of Small And Micro Enterprise Loans Of Commercial Banks Based On Big Dat

At present,big data has penetrated into all walks of life around the world,and it is also a brand new method of credit risk management for commercial banks.The use of big data technology to solve the financing and credit risk prevention and control of small and micro enterprises will play an important role in supporting the development of local economy as well as the differentiation and expansion of business scale of commercial banks.As a firm executor of the "inclusive bank" policy,YC Bank has always placed the development of small and micro enterprise loans on the strategic level.However,faced with the current economic situation and financial environment,the sound development of its small and micro enterprise loan business is still difficult,and the failure rate is still high compared with other businesses.There are many problems,such as poor overall risk identification efficiency,risk measurement and evaluation technology to be improved,weak awareness of big data risk monitoring,reliance on their own experience,inadequate grasp of external data,slow system upgrade,incomplete risk reporting system of YC Bank,etc.It is urgent to improve the construction of its risk prevention system.Therefore,it is of great significance for YC Bank and even the whole bank to use big data technology to improve the identification,prevention and control of credit risks of small and micro enterprises.Taking YC Bank as the research object,this paper analyzes the causes of the existing problems by making a comprehensive reference to relevant theoretical literature and advanced experience of the industry,and combining with the current development status of risk management of small and micro enterprises in YC Bank under the background of big data.In accordance with the principles of effectiveness,feasibility,comprehensiveness and matching,countermeasures and suggestions are put forward for YC Bank to use big data technology to improve the risk management efficiency of small and micro enterprises: through scientific and technological investment,constantly improve risk identification skills,accelerate the efficiency and technical level of big data risk measurement and evaluation,and form a comprehensive risk reporting system.In the future development,we hope to help YC Bank to improve its risk management ability of small and micro enterprise loans by utilizing big data technology,continue to do a good job in the development of high asset quality,and do a good job in the support and service of small and micro enterprise loans.