河海大学学报（哲学社会科学版）2018，Vol.20Issue(6)：57-61,92,6.DOI:10.3876/j.issn.1671-4970.2018.06.009
大数据时代商业银行服务小微企业的风险管控
Risk Management of Commercial Banks Serving Small and Micro Enterprises in the Era of Big Data
摘要
Abstract
In the era of big data, the service focus of commercial bank changes from large and medium-sized enterprises to large-medium-sized small and micro businesses and service content transfers from the traditional deposit and loan business to both online and offline. Also, the risk management changes from multiple varieties of risk management based on internal information to external change based on data integration. Firstly, this paper analyzes the impact of internet finance on commercial banks 'business by big data. Secondly, it discusses the main reasons and development trend of commercial banks 'strict control of small and micro enterprise loans, and then discusses the risk management and control model based on big data. Finally it studies the path selection of the loan risk of small and micro enterprises in commercial banks. The result shows that:Commercial banks could provide service for small and micro enterprises with low cost, low risk and high return by new means of online e-bank, online loan inspection innovation mechanism, and investment loan linkage services. With the help of big data, the conditions for integrating small and micro enterprises 'structured and unstructured data are already available, and credit risk can be controlled in a reasonable range.关键词
大数据/小微企业/非结构化数据/风险管控/商业银行Key words
big data/small and micro enterprises/unstructured data/risk control/commercial bank分类
管理科学引用本文复制引用
李健旋,张宗庆..大数据时代商业银行服务小微企业的风险管控[J].河海大学学报（哲学社会科学版）,2018,20(6):57-61,92,6.基金项目
国家社会科学基金重大项目(16ZDA047) （16ZDA047）
国家自然科学基金(71673145) （71673145）
