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

Author

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  • Junxuan Zhu
  • Zhe Huang

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.

Suggested Citation

  • Junxuan Zhu & Zhe Huang, 2014. "Banks' Micro Enterprises Loan Credit Risk Decision-making Model Innovation in the Era of Big Data and Internet Finance," Journal of Management and Strategy, Journal of Management and Strategy, Sciedu Press, vol. 5(2), pages 63-69, May.
    • Handle: RePEc:jfr:jms111:v:5:y:2014:i:2:p:63-69
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    Cited by:

    1. Yinghui Chen & Xiaolin Gong & Chien-Chi Chu & Yang Cao, 2018. "Access to the Internet and Access to Finance: Theory and Evidence," Sustainability, MDPI, vol. 10(7), pages 1-38, July.

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