Credit Data Application Problems And Countermeasures In The Commercial Bank

Europe debt crisis that credit risk has once again become global financial market of thefuse, a high degree of attention, due to the impact of financial crisis, China’s economicdevelopment rate tends to slow down, the small and medium-sized enterprise managementdevelopment difficulties, to avoid the mistakes of the State Council western economicdevelopment, for the social credit system construction planning focuses on the deployment,the domestic commercial banks to meet in the temporary business difficulties enterprisesincreased credit support at the same time, save have increased on the credit risk managementand control efforts, timely and abundant credit risk management methods and tools. Creditdata as to prevent credit risks, reduce the cost, improve the loan before identifying post-loanmanagement efficiency, solve the problem of financing small and medium enterprises apowerful tool, caused a country to the financial management and commercial bank’s fullattention.Based on the establishment of national credit platform, the application of China’scommercial banks to prevent the credit risk credit data and the experience was summarized atthe same time, draw lessons from international credit system development experience, in viewof our country commercial bank application credit data to improve risk managementcapabilities are encountered in the process of credit data content, structure and collectionmeans and our country economy development demand do not match, the Commercial Bank ofcredit data areas of stenosis by means of a single and credit legal system is diseased wait for aproblem, offerred corresponding countermeasure and proposal. First through the extendeddata sources, data structure, improve the optimization of credit credit data content, improvecredit data timeliness, establishment of network data declaration platform and so on, upgradeand improve credit data content, platform and structure. Followed by the expansion of creditdata applications, development credit data interactive platform, development tools, floatingcredit management of commercial bank credit construction related early-warning tools,optimize the credit scoring model, the development of the network platform, improve credit management of commercial banks, credit risk and operational risk capacity and means, tomaximize the commercial banks to promote the social and economic role development, do agood job in the risk control based on the solution of the problem of financing small andmedium-sized. Finally, the norms of our privacy standards, building perfect credit informationcollection and use of the entire process of legal system, clear disciplinary measures, put anend to the United States in the system of collecting consumer paying mode brings undesirableconsequence.