Bank internet credit risk control method for small and micro enterprises

Abstract

Small and medium-sized enterprises are imperfect in management and nonstandard in report, the credit level of the small and medium-sized enterprises is difficult to evaluate by means of information provided by small and micro-sized enterprises, which is a main reason for restricting financing risk control business development. Information collection and risk assessment are carried out purely manually, and more manpower and cost need to be input to improve the risk control capability. In order to solve the problems, the invention provides a bank internet credit risk control method for small andmicro enterprises. According to the method, by means of an intelligent risk decision model, credit verification before loan, intelligent examination and approval during loan and risk control of fullservice and full coverage of a credit process after loan risk early warning are realized. The beneficial effects of the invention are that the method achieves the whole-course real-time monitoring ofthe potential threats of a business through the prediction in advance, monitoring and early warning in the event, and correlation analysis after the event, and precisely recognizes the fund risk.

Description

technical field [0001] The present invention relates to the technical field related to Internet finance, specifically, a bank Internet credit risk control method for small and micro enterprises. Background technique [0002] At present, the retail financial market, especially small and micro credit, is undergoing structural changes. With the large-scale intervention of large state-owned banks, the market shares of joint-stock banks and small and medium-sized banks that are at a relative price disadvantage have been squeezed out. The pressure of political indicators on state-owned major banks will force them to focus on the field of credit loans. The entire market will be further differentiated and fiercely competitive. The risk environment will become unpredictable, and the demand for external reliable data will increase. With the continuous increase of the overall loan balance for small and micro enterprises, the dependence on risk management and control tools is also incre...

AI Technical Summary

Problems solved by technology

For large state-owned banks, the problem is that under the pressure of rapid and large-scale customer acquisition and huge loan scale, it is difficult to screen high-quality potential customers from a large number of customers; Customers will face great challenges

However, the management of small and medium-sized enterprises is not perfect, the reports are not standardized, and their credit level is difficult to evaluate based on the information provided by small and micro enterprises, which is the main reason restricting the development of financing risk control business

Through purely manual information collection and risk assessment, it takes a lot of manpower and cost to improve risk control capabilities

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