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1、AbstractSmallandmicroenterprisesplayanimportantroleinournationaleconomy,ontheotherhand,theproblemofdifficultyandhighcostduringsmallmicro-enterprisecredithasbecomethefocusofattention.Sincethenewgovernmenttookoffice,issuedanumberoffinancialsupportmeasuresforsmallandmicroenterprises,guidingcommerci
2、albankstosolvetheproblembyincreasingcreditloans.China’scommercialbanks,especiallytheestablishmentoflargestate-ownedcommercialbanksarenotinthetruesenseandsoundcreditculturetoadaptinstitutionalsystemofsmallandmicroenterprisedevelopment:theconflictbetweenhighrisktothepursuesecurityofbankperformance
3、,lowcontributionratetopursuehighrateofreturnhasnotbeensolved.Commercialbanksneedtomaintainabalancebetweenpolicy-orientedandself-management,socialresponsibilityandeconomicbenefits,supportingsmallandmicroenterprisesthroughfinancialmeanswhilecontrollingcreditriskandreducingmanagementcosts.Thisissue
4、hasastrongresearchvalueandpracticalsignificance.TakeAgriculturalBankofChinaasanexample,thispaperintroduceditsbasicmanagementsystem,specialtyproductsandriskmanagementmeasurablyofsmallmicro-enterprisecredit.Bycomparingtheoperatingandfinancialcharacteristics,aswellasmajorriskpoints,analyzethecharac
5、teristicsandlimitationsofitssmallmicro-enterprisecreditriskmanagement.Finally,combinedwithbigdataanalyticstechnology,supplychainbusinessandrelatedapplicationcases,suggestimprovementstoAgriculturalBankofChina’ssmallmicro-enterprisecreditriskmanagement.Thispaperconcludesthat,inordertoimprovethelev
6、elofcreditrisk
management,ABCneedstoimproveinformationcreditabilityandreduceasymmetry,
improveautomationlevelandreducecostofinformationacquisition,creating
conditionforspecializedandcentralizedapproval.Afeasiblechoiceistomakeuseof
bigdataanalysistechniquesanddevelopsupplychainfinancingbusiness.:
7、usecore
enterprise’scontroloncapitalflowandlogisticsinsupplychain,information
transparencyandcredibilitycanbeimproved;usebigdataanalysistechnology,
introducingmoresocialdataintocustomerevaluationsystem,informationcanbe
impro
