| Rapid ascension since China's reform and opening up,China's economic d evelopment level,have been effectively improve people's living standard,in the good economic development environment,personal credit business of commerc ial Banks in China has ushered in the development opportunities,in recent yea rs,the personal credit balance has been maintained at a higher level,by the e nd of 2016,China's personal credit balance amount up to 3.337 billion yuan,g rowing almost three times compared with 2010,at the same time a personal lo an balance of accounts for the proportion of total loans are rising,in 2010 acc ounted for 22.11%,rose to 29.78% in 2016,up 7.67%.Trajectory from the ra pid development of personal credit business to a certain extent release injection development of the socialist market economy of our country has a great mom entum and potential,and at the same time in economic development under the background of the new normal,healthy development of personal credit business will strongly stimulate consumption,and help the practice of "public entrepren eurship,peoples innovation" concept.As the level of personal credit business grows in China,the pressure of p ersonal credit non-performing asset management is increasing.Representative pr oducts in personal credit business credit card,for example,as of the end of 2016,the total number of credit card balance of non-performing loans of up to 53.568 billion yuan,6.97 times that of 2010,non-performing loan ratio to 1.4%,gradually rising personal credit assets show that personal credit market in our country exists some problems that need to solve,it need us further to expl ore and research.Personal credit business and economic life of each person is closely relate d to individual demand is increasingly a travel of the opposite sex,personal cr edit model has been developed many new forms,however,the core content of the credit risk management has always been a people business.Because of the particularity of "mass and high frequency" in personal credit business,big data risk measurement technology plays an important role in risk management.In this paper,based on the theory to guide practice,practice is the sole c riterion for testing truth theory basis,using the case analysis,technical methods such as empirical model,discusses how to make big data technology and effe ctively combining the risk management of commercial Banks,so as to promote the commercial Banks to further improve the level of personal credit risk ma nagement.The first chapter mainly introduces the research background,research significance and research ideas of this paper.In the second part of the article on personal credit and big data definition and the theoretical concepts of perso nal credit business in China is discussed,and the current situation of the devel opment and the key direction of personal credit risk management,for further a nalysis below.In this paper,the third chapter introduced in the study of perso nal credit risk big data technologies,first elaborated the big data technology is used to the necessity and feasibility of personal credit risk management,and c arried on the analysis to its advantages,and then respectively tells the story of big data technology practice in the field of domestic and foreign bank person al credit risk.The fourth chapter of personal credit risk based on the technolo gy of big data modeling techniques for the corresponding research,and compar es it with traditional credit risk model,the actual data in a web crawl as the carrier,proved on the basis of the big data of individual credit risk model of i ntelligent algorithm is superior to the traditional model of performance ability.The fifth chapter mainly aimed at the actual development situation of our personal credit,combined with the use of big data technologies,for how to better promote our country's individual credit risk management level put forward som e Suggestions,so as to the personal credit risk management system of commer cial Banks to provide some ideas for development. |
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