Research On T Company's Big Data Risk Control Platform

Internet and the advent of the era of big data reflects the progress of science and technology,but also the inevitable development of this era.The application of big data technology is gradually penetrate into a number of industries,especially the banking.In recent years,the rapid development of Internet banking,big data risk control technology has gradually become one of the most concerned about the application of big data,the banking is the first to bear the brunt because big data risk control technology can not only help banking institutions to build its credit system,But also-for banking institutions to provide reliable credit information and big data technology decision support to reduce banking institutions' default rate from the customer,to help banking institutions to effectively improve the level of management of the risk control and reduce the cost of its credit management,and effectively promoted the Construction of Honesty System in China.The management of banking credit business is inseparable from the support of risk management technology,and data is the basis of the development of risk control model,the risk control model is based on credit data collection,processing,storage into formatted data,on this basis building a mature data mining model,the result is the ultimate banking institutions to provide decision support services.Big data risk control not only provides the necessary data resource support and big data risk control model support for the banking development,but also changes the design and application concept of the credit product in the banking system,which is the important foundation of future banking risk management.As the development of China's credit industry started late,big data risk control related areas of the legal system and business rules are not perfect,credit agencies data processing capabilities,privacy protection,etc.have yet to be improved.Through the exploration and application of Big Data Risk Control Platform products by T Company,the experience and reference of domestic and foreign counterparts,and the introduction of T Company's operation and improvement strategy for big data risk control platform,Data acquisition,analysis and application of big data risk control platform,big data quality improvement,big data platform security and product innovation and other aspects of a clear understanding.In this paper,the data sources are obtained through multiple sources,analyzed using statistics,machine learning and deep learning models,and deployed to the Internet platform.All the registered banking institutions are provided with customized analysis results,User credit risk control,and automated batch review to reduce the limitations of manual intervention and a single model in the traditional credit evaluation.Big data risk control model to predict more accurate,covering the customer groups who are not covered by the PBOC's credit information system,especially for those who do not shared long-term traditional banking services to customer groups,which is the concept of inclusive finance to convey.