Risk Evalution And Control On Small Business Loan Of Commercial Bank Under Big Data Platform

In the Internet era,data is exploding.These ever-growing Internet big data information are a double-edged sword for us.It is both a challenge and an opportunity.How to extract value from these data is what the big data practitioners have been pursuing..The development of technologies such as data mining and machine learning has fully embodied the value of Internet big data,which has brought big data to the attention of more industries.It has also been gradually introduced into the credit industry,mainly reflected in the rapid development of Internet finance in the past two years.development of.Based on this,this study is devoted to the use of Internet big data disclosure credit information,from the financial and non-financial aspects of small business big data open credit information classification research,and the use of scientific methods to establish small businesses based on big data credit The risk assessment index system,then select appropriate methods to achieve the evaluation of the credit risk status of small businesses,thus proving the feasibility of using open information on the Internet to carry out credit evaluation services for small enterprises,providing a new direction for future research on credit evaluation models.This paper adopts a combination of theoretical analysis and empirical analysis,and a combination of comparison and induction.First,it briefly introduces the basic concepts and development history of corporate credit risk,and studies the characteristics and categories of credit risk,which focuses on the management of credit risk.The important guiding significance of the development of small business loan financing business,and pointed out that credit default risk management is the core of credit risk management.Secondly,it introduces the basic theoretical knowledge of data mining and its application status in the credit risk research of commercial banks.It also points out the significance of using data mining methods to guide credit risk based on big data technology.Based on the previous theoretical basis and the description of the application status,a concrete analysis of the actual data of a commercial bank in China involving small business financing credits was conducted.According to the business data mining process,namely,business understanding,data sources,data preparation,data modeling,model The steps of the assessment were to establish data mining method prediction models: logistic regression,discriminant analysis,Bayesian classification,K-nearest neighbor,neural network,and decision tree models to assess,predict,and control the credit risk of small businesses.At the same time,on the basis of the model,the influencing factors in the risk assessment of small business lending defaults are discussed.Finally,combining the above theoretical knowledge and the results of empirical analysis,this paper proposes targeted suggestions for the management of commercial bank credit lending customer credit risk.