| 摘要: |
| 本文整合小微企业行业数据、经营数据和金融机构数据，建立小微企业经营状况立方体模型，针对不同经营行业的小微企业，设计有针对性的金融产品和优惠活动，并在全行范围内逐步推广。根据小微企业经营状况立方体模型建立监控机制，分析小微企业日常经营状况的变化，确定是否需要调整金融产品或优惠活动，并利用大数据技术对重庆农商行助力小微企业经营发展的效果进行量化评价。通过本文的研究形成一套利用大数据技术分析企业经营指标、匹配金融产品及活动、量化评价助力效果等闭环、可迭代优化的助力小微企业经营发展的管理机制。 |
| 关键词: 大数据技术；立方体模型；经营指标；小微企业；经营发展 |
| DOI： |
| 分类号:F830 |
| 基金项目:重庆市金融学会2020年度招标课题“金融创新助力小微企业发展的研究与实践”。 |
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| Research on Big-Data Techniques for Supporting the Business Development of Small-Micro Enterprises |
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Research Group of Chongqing Rural Commercial Bank
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Chongqing Rural Commercial Bank
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| Abstract: |
| This paper integrated the industry data，business data and financial institutions data of small micro enterprises and established a cube model of the small-micro enterprises’ operational statuses.Based on the analysis of the cube model，we selected the industries for those small-micro enterprises that Chongqing Rural Commercial Bank (“CQRCB”) supported，and cooperated with，designed the customized financial products and promotion activities，and then implemented across the business lines within our bank.According to the results of the cube model of small-micro enterprises，a monitoring mechanism was formed.By monitoring and analyzing how the small-micro enterprises’ operational statuses changed with data，we can determine whether it is necessary to modify the financial products or promotion activities，and also use the big data techniques to evaluate the effects of our bank in supporting the business development of small-micro enterprises quantitatively.Through the research of this paper，we have established a set of mechanisms that can facilitate the business development of the small-micro enterprises，firstly monitoring their daily operations and management with data，then designing the customized financial products and promotion activities，and lastly evaluating the effects of our bank in supporting their business developments. |
| Key words: Big-Data Techniques；the Cube Model；Business Indicators；Small-micro Enterprises；Business Development |
