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论文编号：	8133
作者编号：	2220110484
上传时间：	2016/5/22 12:21:32
中文题目：	基于大数据分析的小微企业网络贷款研究
英文题目：	The Study of Small and Micro Enterprise Network Loan Based On Big Data Analysis
指导老师：	王全喜
中文关键字：	小微企业融资 网络贷款 大数据分析
英文关键字：	Small micro enterprise financing ;Network loan;Big data analysis
中文摘要：	目前，中国经济发展已进入新常态，经济结构与商业模式均发生了深刻变化。新常态下，小微企业已成为我国经济的重要组成部分，占据我国GDP总量60%以上，创造了大量的工作岗位，对拉动经济增长，稳定社会环境发挥着越来越重要的作用。但小微企业在发展中面临着融资难的问题，互联网技术及大数据分析的发展为解决此问题提供了新的思路。本文在总结国内外研究及笔者工作单位业务实践的基础上，以大数据理论为核心，运用信用评分模型技术，针对小微企业网络贷款问题进行了深入研究，进而提出了一种小微企业网络信用贷款的产品模型，并以实际案例对模型有效性进行了验证。 首先，本文深入分析了小微企业融资需求特点及核心风险点，以此作为网络贷款模式的设计指导原则。本文采用纯信用担保方式，遵循大数法则，以收益覆盖风险，运用信用评分模型进行自动化审批，贷后持续监测，跟踪借款人的经营情况、信用记录情况等指标，提前风险预警。 本文结合了当前的国内外评分卡模型及笔者近20年信贷经验，提出了小微企业网络贷款信用评分模型。模型以商业银行自有数据、人民银行征信数据、企业合作方数据、国家行政机关数据等作为数据来源，综合考察企业基本信息、企业主基本信息、企业经营情况、企业信用情况、企业主信用情况等数据，给出设计的信用评分卡。贷后风险预警模型的设计上，主要考察借款人的信息变更、企业经营情况、企业信用情况、企业主信用状况及行业风险等因素，针对特殊变化进行风险预警。在此模型基础上，本文通过两个实例对本模型进行了验证。 最后，本文提出了后续的研究及优化方向。第一个方向，是优化评分卡模型，通过海量实例运行，提取新的特征指标及参数，进一步优化指标体系及权重设置。第三个方向，研究针对交易的小微企业订单网络贷款产品，进行提供更加灵活，风险更加可控的网络贷款模式。
英文摘要：	At present, China's economic development has entered a new normal, economic structure and business models have changed profoundly. Under the new normal, small and micro enterprises has become an important part of the economy of our country, the state has formally proposed the advocacy of public entrepreneurship, innovation and peoples'. The rapid development of small and micro enterprises can not be separated from the financial support, but the small and micro enterprises in their own small, light assets and other characteristics of the traditional commercial banks risk appetite, service capabilities, there is a mismatch between the financing difficulties of small and micro enterprises has been the important issue of development. With the rapid development of computer technology in recent years, especially the Internet and big data analysis technology has demonstrated its extraordinary charm, many traditional industries play a subversive role, greatly improving the efficiency of various industries. At present, many domestic and foreign scholars and institutions have begun to study the credit of commercial banks. Based on summarizing domestic and foreign research and the author's working practice, this paper makes a deep research on small and micro enterprise network loan with big data theory, and then proposes a product model of small and micro enterprises. This paper is expected to provide a new way to solve the problem of financing of small and micro enterprises through the research of small and micro enterprise network. In view of the above, this paper is divided into six parts to elaborate. The first chapter mainly introduces the background and significance of this paper. The second chapter mainly introduces the related theories, including the long tail theory, big data theory and credit scoring model. The third chapter summarizes the characteristics of small and micro enterprises in China, financing needs and risk characteristics. In the fourth chapter, based on the risk characteristics of small and micro enterprises, this chapter presents a small and micro enterprise network loan model which is based on big data analysis. In the fifth chapter, the validity of the model is verified by two examples. In the sixth chapter, the future development direction and the optimization method of the small and micro enterprises are discussed.
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