Study On The Construction Of The Credit Risk Management System Of Commercial Banks Based On Big Data

Credit risk is a kind of major risk commercial banks have to confront.Whether credit risk can be managed effectively matters the business performance of commercial banks.The key of credit risk management is credit risk measurement,which runs through the whole process of credit risk management.The results of credit risk measurement affect risk control and business control,which affect the actual business behavior of commercial banks.Now,under the present of increasingly complicated economic and financial environment at home and abroad,and increasingly strengthened bank constraints under various agreements and guidelines,most of domestic major commercial banks have completed the construction of credit risk management information system.The system mainly adopts the data warehouse technology which coincide the data centralization.The measurement models of the system are mainly based on data accumulated by commercial banks in history.As the application of Internet in the economic society,much of people's credit data has been saved online.If these data,which is of large scale,various types and huge values,is fully used by commercial banks,the predictive ability of credit risk can be enhanced,so is the ability of decision-making.However,the present credit risk management information system is hard to store and manage the rapidly increasing massive data,and is hard to extract effective information from semi-structured and unstructured data which is different from the traditional structured data,too.Distributed storage and distributed computing,NoSQL database management system,and data mining algorithm in the field of big data provide an effective solution to these problems.Based on the analysis of the credit management process of commercial banks,the analysis of existing systems,big data technology and information system architecture theories,this paper constructed the credit risk management system of commercialbanks based on big data.Firstly,this paper elaborates the concepts related to the credit risk management system of commercial banks based on big data,big data technology,information system architecture and other theories.Secondly,the system target and the system requirements are analyzed from the perspectives of necessity,feasibility and big data requirement analysis,and the system functions are clarified by data flow diagrams.On the basis of system requirements,general structure of the system is designed,and the layers and modules are discussed in detail.Then,the participants,main application process of the system and application difficulties and countermeasures are discussed by combining use case diagrams.This paper concludes that big data technology can expand the coverage of available data,improve the efficiency of credit risk management and enhance the ability to predict credit risk.It is necessary to establish a credit risk management system for commercial banks based on big data technology.In this paper,the credit risk management system of commercial banks based on big data technology is designed specifically with structure and modules,mainly including data collection and management,measurement model management,business and risk control,etc.,and further research should be carried out on system transition and mother-child model and other aspects.