Research On Credit Risk Control In Big Data Age

The emergence of big data,the traditional financial industry to the smart era a big step forward.With the continuous popularization of internet information technology,the application of big data in various industries is more and more extensive.Take the financial industry as an example,the introduction of big data technology,to a certain extent,to further promote the transformation of traditional financial services and financial industry business model innovation.The credit business,as an important part of the financial business,has an important impact on the sustained and healthy development of the entire financial industry.As we all know,credit business is characterized by high risk,easy to produce bad assets,and the introduction of big data technology can greatly enhance the credit business risk management capabilities.However,due to the short time in our country,there are still many problems in the process of big data technology.In this study,the author first systematically combs the core concepts,connotation and characteristics of big data and credit risk.Secondly,through the use of literature research,case analysis,field investigation,etc.,the traditional credit risk control of commercial banks in the existing problems were elaborated,such as high cost,low efficiency,poor effect.And gives a comprehensive and objective analysis of its causes,including the economic environment,industrial policy,legal system,information asymmetry,the reasons for borrowers,bank reasons.Thirdly,through the comparison with the traditional credit risk control,the advantages of credit risk control in the era of large data are obtained.The advantages of credit risk control in big data age basically make up for the high cost,low efficiency,credit information asymmetry and credit mode in traditional credit risk control Single,poor credit experience and other deficiencies.However,due to the short application time and its own characteristics,large data technology still has the problems of data integration and mining,such as the difficulty of data security,the risk of information security,the restriction of legal risk and the lack of normative data application model.By studying the financial platform represented by the Ant Gold service as the representative financial platform and of the Fintech financial technology company represented by the Second Edition and YongQianbao,trying to get inspiration from their operation mode and break the big data background Difficulties in Credit Risk Control of Financial Institutions.In the end,theauthor gives the countermeasure suggestion of credit risk control in the big data age according to the research content : to promote the full sharing of big credit data;deepening credit data mining and processing;strengthen information and network security supervision;improve the rules of financial legal supervision;Expand the application of large data credit risk.