Feasibility Study On How To Promote Banking Risk Control Innovation By Information Technology Of Big Data

At present, China's banking industry is facing the serious situation of high incidence of non-performing loans, economically developed coastal areas become the disaster zone, and slowly spread to the Midwest, some Banks in some parts of the defective rate and loss rate of two digits. Most of the bad assets is the enterprise financing, small and medium-sized enterprises of the non-performing assets account for larger proportion, recently have a tendency to spread to large enterprises, large amount, this is a very dangerous signal. Banks have greater social responsibility attribute as a kind of enterprise organization, the high incidence of the poor not only affect the Banks themselves profit, also will affect the fulfillment of social responsibilities of the Banks.Has been published many academic institutions, scholars have discussed some about how to improve the risk control of bank assets of the enterprise business ability related aspects such as idea, in the current situation, this again became an important research direction. At the same time the Banks themselves are also studying a variety of measures to try to resolve the high incidence of enterprise financing risk problem, which improve the use of big data technology to enhance the enterprise financing risk control ability could be an effective solution. Original data application is limited to internal information system, the cloud information sharing and data integration analysis could be bank preventing the risks of corporate finance is an important development direction.In this paper, from the present situation and future development of big data technology, bank of enterprise financing the current risk control mode, the bank of the current application and future trend of big data technology and so on, this paper discusses the build a unified platform, the database center to control the feasibility and advantages of financing risk, trying to build the framework of the new system and operation mode (mainly for the bank to the enterprise financing risk control), and put forward a new system idea of construction section.