Research On Bill Bussiness Risk Management Of Commercial Bank In The Big Data Enviroment

Bank notes are virtual,non-direct payment of the settlement,because the notes with liquidity,high returns and other characteristics,so widely favored by the market,in the entire banking industry occupies an increasingly important position.Banking institutions have begun to upgrade the bill business optimization,including the operation of the bill business process and the bank's internal credit business structure level,but also found in the optimization of many problems,which restrict the expansion of the bank bill business and the bank's own stability development of.In the era of sustained and rapid economic development in China,large data of this new thing quietly into our lives,which makes China's Internet information age has undergone a qualitative leap,especially for the impact of the financial industry is not to be underestimated.The rapid development of information technology and computer technology indicates that China's economic development has entered a period of rapid information,and the management process of commercial banks in our country has also made close contact with the data.However,the management model of China's commercial banks is still in the initial model,and sometimes only through the customer manager's rich experience and the survey obtained a limited reference to determine whether the business is being dealt with risk.Therefore,in this critical period of innovation and docking,the banking business risk events frequently,especially the case of the case,not only the incidence of high incidence,involving the amount is even more staggering.Banks in the outside world seems to have been a very strong sense of risk industry,but why is it often happen amazing cases? It is not difficult to understand that every business has a potentially high risk,and one of the most important causes of these high events is that there is a problem with the bill business.The business risk of China's commercial banks has always been a concern,But not to a large extent to improve the risk of risk.There are many kinds of reasons,for example,the types of bill business become numerous;business processing system and processing methods to send a change;in the case of talent shortage of business personnel are not well trained on the induction operation;external market environment Constantly changing,leading to the internal adjustment of banks can not link the changes brought about by environmental factors and so on.Now the past few years,the data centralized processing system more and more powerful,especially the introduction of large data,you can more quickly determine the next possible risks,so the development of banking is also very fast,the level of science and technology has been unprecedented The leap of progress.In the large data to help the bank to analyze the data of the huge convenience conditions,China's commercial banks can be timely access to risk warning information to prevent the occurrence of major losses.Moreover,in the follow-up inspection,it is possible to analyze the risk points that exist in the process of dealing with commercial bank bills through large data,and to identify possible bill business risks according to the data fluctuation in the operation process of the system.Before long ago,foreign advanced management concept to strengthen the development of the local banking industry,bill business risk management more detailed system operation.Since the Internet to participate in,China's commercial banking business to get rid of manual accounting,but at the same time some foreign advanced banks rely on their advanced equipment and management concepts set up branch offices in China,making the development of China's commercial banks increased pressure.Tianjin Bank is an emerging joint-stock commercial bank in China.Due to the complexity of the organization of the banking department,the relevant bill business is also difficult,staff responsibilities are unknown,managers are not rigorous in terms of authorization,in addition,in cooperation with other financial institutions,the risk awareness is weak.But the bill business is the main business of the bank,the handling of its business situation and the bank's interest is closely related to the bill business in the process,the bill business risk control is directly related to the bank's business situation,if the large data environment for the detection and analysis,The bill business is not handled when the bill business risk to do a timely forecast and control,then the bank will face a great dilemma.At present,the overall risk awareness of Tianjin Bank is not strong,but also in the special period of bank transformation and upgrading.For the forecast of bill business risk and the way to find out the risk management of change bill business in the present environment,it is the most important issue.Based on the research of domestic and foreign literature,this paper,based on the relevant theories and evaluation methods,combines the complicated and rapidly changing market of China's current commercial banks' bills,and the monitoring technology and supervision system of the central bank on the bill business.In the operation of the environment,when the bill business is handled,the reason of the bill business risk is analyzed,and it is found that not only the risk of bill business is common in Tianjin Bank and commercial bank.The main influencing factors are market environment,large data environment,internal risk management organizational structure and so on.And need to solve these problems,we must optimize the adjustment of the bill business risk management organizational structure and functions,strengthen the construction of risk management system,increase technology research and development,to adapt to the current environment of business technology development risk management system,Environment,commercial banks,but also to create a bank within the bill business risk culture atmosphere,the development of China's commercial banks have a positive role in promoting.