Research On Application Of Internal Audit Advancing Risk Management In Big Data Environment

With the continuous development of computer technology and network technology,the society has entered the era of comprehensive information.As an important player in economic activities,banks are faced with many challenges in their credit risk management in the context of big data.As an important participant in risk management,internal audit plays a role in evaluation and consulting in the risk management of a company.Based on rising bank credit risk,the internal audit evaluated the existing credit process risk management methods before,during,and after loan,and pointed out that the existing risk management methods can no longer cope with the information society.risk.At the same time,internal audit combined with the development trend of big data technology,put forward the proposal of using big data technology to improve the bank's credit risk management,and reflected the internal audit's advisory function in risk management.The introduction of big data technology will reduce the credit risk and operational risk of bank credit business,reduce non-performing loan ratios,and add value to the development of banks.This article is based on the role of internal audit in the supervision and evaluation of bank credit risk management,and describes the role of internal audit in advancing the bank's credit risk management.The continuous integration of internal audit and risk management makes internal audit itself also need to participate in risk management.Internal audit analyzes the risk points and deficiencies in the three processes of current bank credit business,and discusses the causes of these deficiencies,so as to identify ways to deal with these risks,introducing big data technology to make up for it.The existing shortage of risk management,so as to truly participate in risk management,promote the process of risk management.However,it is technically difficult for banks to develop big data technologies to improve the credit risk management of banks while investing a lot of costs.Therefore,it is possible to introduce big data system platforms developed by technology companies to promote risk management.The decline in bank non-performing loan ratios after the introduction of systems and platforms also confirms the effectiveness of the internal audit recommendations.Internal auditing is also really involved in the management of credit risk and has improved the level of risk management.Internal audit analyzes the process of risk management of credit business,combines the development trend of big data,and applies big data technology to specific credit processes to manage risk based on specific credit business processes,which can significantly reduce banks.The credit risk,reduce bad loans,adapt to the development...