The innovation of this paper lies in that it takes China Construction Bank as the main research object and adopts SWOT analysis method to analyze the credit business of small and micro enterprises under big data

which is analyzed from the perspective of innovation. China’s banks have traditional management mode and cannot make substantive innovation

which is also the main reason for the problems of traditional commercial banks

and they cannot achieve good cooperation with small and micro enterprises. This paper focuses on the study of the credit business of small and micro enterprises of commercial banks based on big data.