Banks' Micro Enterprises Loan Credit Risk Decision-making Model Innovation in the Era of Big Data and Internet Finance

Junxuan Zhu and Zhe Huang

Journal of Management and Strategy, 2014, vol. 5, issue 2, 63-69

Abstract: In the era of big data, Internet enterprises have initiated a new operation model named Internet finance and developed micro enterprises loan business, which bring great challenges to banks¡¯ traditional business undoubtedly. This article talks about how banks low the expense on the basis of setting a big data strategy, and innovate micro enterprises loan credit risk decision-making model to explore a new profit point of growth.

Keywords: big data; Internet finance; micro enterprise loan business; decision-making model (search for similar items in EconPapers)
Date: 2014
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Persistent link: https://EconPapers.repec.org/RePEc:jfr:jms111:v:5:y:2014:i:2:p:63-69

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