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《大数据时代商业银行的小微企业的信贷业务创新的研究》由会员上传分享，免费在线阅读，更多相关内容在学术论文-天天文库。
1、AbstractSmallandmicroenterpriseshavemadegreatcontributionstothedevelopmentofeconomicsandsociety,butithasalwaysbeendifficultforthemtogetcreditsupport.Withthedevelopmentofinformationtechnologyandtheopeningofthefinancialmarket,thisproblemwillhopefullyberesolved.Ontheonehand,withthedevelopmentofelectr
2、oniccommerceandinternetoffinance,andtheapplicationofbigdataandcloudcomputing,thestatusofinformationasymmetryhasbeenlargelymitigated,andthebusinesscostofthebankhasbeendecreased.Ontheotherhand,interestrateliberalization,financialdisintermediation,anddevelopmentofinternetoffinanceurgedbankstoimplemen
3、tstrategictransformation,andinvestmoreresourcesontheserviceforsmallandmicroenterprisestoincreasecapitalefficiencies,andcultivatenewadvantagesinthecompetition.Thisthesisstudiedinnovationofcreditoperationsofcommercialbanksforsmallandmicroenterprisesintheeraofbigdata.Onthebasisofanalyzingthetradition
4、alformofcreditoperationsofcommercialbanksforsmallandmicroenterprises,andthenewformofcreditoperationsofAlibaba,howtousebigdatatopromotecreditoperationsforsmallandmicroenterprisesisdiscussedfromtheviewofcreditproductsandcreditprocesses.Andtherisksofcreditoperationsbasedonbigdataarediscussedintheend.
5、Currently,thebusinesscreditenvironmentofourcountryisnotperfect,andbigdataprovidedaneffectivesolution,andinthesametimehugebusinessopportunities.Thetraditionalformof“relationalloan”willgraduallybereplacedbythe“transactionalloan”supportedbybigdata.Whencommercialbanksprovidecreditsupportforsmallandmic
6、roenterprises,theyfulfilledtheirsocialresponsibilities,andinthesametime,theycancompletetheirstrategictransformationstoentertheblueseaforfurtherdevelopment.Keywords：Bigdata，Creditforsmallandmicroenterprises,BusinessinnovationII目录第1章引言..............................................11.1研究背景与意义........
7、.....................................11.1.1小微企业的定义及重要作用.......................................11.1.2小微企业融资难的问题仍普遍存在.................................11.1.3大力发展小微企业信贷是商业银行发展的必然要求...................31.1.4大数据开启了小微信贷的
