The Research On Intelligent Risk Management Of Commercial Banks Based On Big Date

Big data applied to the risk management of commercial banks gradually emerges. Commercial banks are important producers of big date, trading, pricing, performance reports, consumer research reports, official statistics bulletin data, surveys, news reports and so on, and it have precipitated of a larger of user date. Commercial banks are data driven industry, based on the risk management of big data, it can reduce the cost of the loans, and improve the capabilities of risk management. Big data has become a key factor in winning business finance. The effective management of big date and data mining will be the basis for commercial banks on future competitiveness and growth, thus big date has increasingly become commercial banks most important factor of production and strategic assets. From it natural attribute, commercial banks belong to operate risk industry, risk management is essential for its survival. Therefore, it is important significance for commercial banks construct of intelligent risk management based on big data. This paper researches on the intelligent risk management of commercial banks, and explores the application of big data in the risk management of commercial banks.This paper uses the case analysis method, the qualitative analysis method, the induction summary to introduce the intelligent risk management of commercial bank based on big data. This paper selects the Construction Bank of China, CITIC bank, Everbright Bank as three cases to introduce practical application of big data in the intelligent risk management of commercial bank. These commercial banks based on big data carry on network technology loans, supply chain financing and personal and business credit, personalized retail, credit assessment and other services, which are often accompanied by innovative business intelligence risk assessment, intelligence management. These are in line with this paper about the definition of risk management. Intelligent risk management is very different from traditional risk management. Based on big data, intelligent risk management not only can well perceive the market, but also accurately analyze of customers. Also it can be quantitatively and dynamic supervision risk, and reshape the risk management mechanism. From those cases we can see that intelligent risk management pay more attention to comprehensive, full, dynamic risk management, and pay more attention to the combination of quantitative and qualitative analysis of risk, and pay more attention to the interconnection between various departments. The risk management of domestic commercial banks used big date is in the ascendant, foreign commercial banks have a lot of precedents. Big data in foreign commercial banks are also focused on the application of risk management, customer marketing, process optimization, credit risk assessment and so on. In risk management, JP Morgan chase uses Hadoop technology to carry out fraud inspection, Standard Chartered Bank programmed lending, and Citibank introduced IBM Watson products to evaluate credit. These banks in the risk management are not only valued at the corporation of providers of big data service, but also ensured the diversification of big date sources. It is worthwhile domestic commercial banks regard it as reference.Based on the concept of smart cities, intelligent earth, this paper creatively put forward the concept of the wisdom of the type of commercial bank risk management. The combination of big data and risk management can build a comprehensive, dynamic and intelligent risk management of commercial banks. In this paper, the analysis shows that intelligent risk management can not only improve the ability of commercial banks to identify the risks, avoid potential risks, but also promote the commercial banks meticulous management, improve customer satisfaction. In this paper, the analysis shows that intelligent risk management can not only improve the ability of commercial banks to identify the risks, avoid potential risks, but also promote the commercial banks meticulous management, improve customer satisfaction. Thus, construction of the intelligent risk management based on big data is very important for commercial banks to achieve intelligent analysis of risk and the wisdom of management. In concludes, this paper put forward the advise that to strengthen intelligent risk management, commercial banks can do the following five aspects to establish data strategy idea: establish the concept of big date, promote the integration of financial services with social networks, cooperate with big date service providers, improve the technology core processing capacity, perfecting the human talent training system.