Analysis of Credit Risk Control for Small and Micro Enterprises in Chinese Commercial Banks: From the Perspective of Big Data Credit Reporting

The Chinese government provides policy care and support for the financing development of small micro enterprises, which has effectively alleviated problem difficulties enterprises. However, from a longer time scale, objectively, enterprises inevitably have operational problems such as false financial information, operators' Moral hazard, weak credit awareness. At same time, China's commercial banks' business flaws in risk management mechanism, directly leads to difficulty controlling exposure credit. Therefore, banks motivation develop optimize Big data platform based on enterprise reporting, protect starting point, enable traditional with technology, dynamically track manage entire line business, reduce breach.