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

基于大数据引发的互联网金融对商业银行业务的影响分析,深入探讨商业银行严控小微企业贷款的主要原因及其发展态势,并构建基于大数据的小微企业风险管控模式,继而提出了商业银行管控小微企业贷款风险的路径选择。研究结果显示:依托网上电子银行建设、贷款审查机制创新、投贷联动类业务发展等新举措,商业银行在服务小微企业时能实现低成本、低风险、高收益;借助大数据,商业银行整合小微企业结构化数据和非结构化数据的条件已经具备,信贷风险完全可以控制在合理范围内。

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 microenterprise 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 ebank,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.