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

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DOI: 10.23977/ferm.2023.060901 | Downloads: 101 | Views: 659


Zhengkun Liu 1, Lingjie Wang 2


1 Nanjing Police University, No. 28 Wenlan Road, Nanjing, Jiangsu, China
2 Agricultural Bank of China, Xiangcheng Subbranch of Zhoukou Branch, Zhoukou, Henan, China

Corresponding Author

Zhengkun Liu


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


Small and micro enterprise credit, Big data credit reporting, Commercial banks, Risk control, Management policy


Zhengkun Liu, Lingjie Wang, Analysis of Credit Risk Control for Small and Micro Enterprises in Chinese Commercial Banks: From the Perspective of Big Data Credit Reporting. Financial Engineering and Risk Management (2023) Vol. 6: 1-15. DOI:


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