The Application Of Large Data In Credit Risk Management And Control

With the continuous change of the economic market and the gradual development of credit sales,credit risk management of credit sales customers has gradually attracted widespread attention.Although the traditional credit reporting can reduce risks to a certain extent,there are obvious shortcomings in the timeliness and comprehensiveness of information acquisition.With the rapid development of the Internet,the traditional credit information model and business framework are greatly limited and lack of sensitivity to new technologies.The application of new technologies such as big data and user portraits has opened up new ideas and methods for enterprises to identify high-quality customers,finance funds and reduce credit risk.Therefore,this paper discusses the application of big data technology in credit risk management and control,aiming to provide some reference for enterprises to improve the management level of credit wind control and reduce the default rate of customers.After summarizing the relevant research at home and abroad,this paper divides the research into the following four parts:Firstly,according to the current situation of credit sale and credit collection,aiming at the shortcomings of traditional credit reporting mode,the paper analyses the necessity and significance of large data credit reporting,and analyzes the impact of large data credit reporting on business and technology compared with traditional credit reporting mode,and explains big data credit reporting.Secondly,it analyses the research status of credit risk model,mainly introduces the common credit evaluation models,and then puts forward the research and application models of credit wind control model at home and abroad,highlighting its evaluation advantages compared with the traditional credit evaluation model.Thirdly,it elaborates the construction of large data credit wind control platform,first of all,it explains the large data wind control platform.This paper defines and introduces the business process of the large data wind control platform and the technical framework of the large data wind control platform.Fourthly,through the operation monitoring of the large data wind control platform,it summarizes the problems of the application of the large data to the wind control platform,and puts forward some suggestions combined with relevant issues.Through this study,compared with traditional methods,big data has better advantages in credit risk management and control,but there are also some problems,such as mismatch of legal norms,low information security,technical limitations,etc.Therefore,we should focus on solving these problems in the later stage to improve the application effect of big data in credit risk management and control.