Research On Commercial Bank Personal Credit Risk Management Based On Big Data Application

The long history of development abroad proves that personal consumption credit is an essential component of people's daily life,helps people's living standards improve,can promote the further development of social economy,and can change the consumption orientation of domestic residents,thereby further improving people's living standards improved.With the rapid growth of technologies such as the Internet,cloud computing,and the Internet of Things,it is becoming newer and newer and diversified.Many Internet financial consumer products attract the considerable customer resources of commercial banks due to their advantages of fast iteration,low-interest rate,and accurate positioning.This has brought a substantial impact on the development of personal consumer credit for commercial banks.With the advent of the era of big data,when commercial banks are marketing loan products,analyzing the effective data in the process of customer transactions,and using big data technology to improve marketing strategies and further improve business models,the purpose of continuously increasing customer resource retention can be achieved.This paper combines the advantages and opportunities of the development of big data with domestic and foreign scientific research documents,through a combination of Logistic regression analysis method and case analysis method,in-depth analysis of Y Bank's pure online model "quick loan" project using big data The loan mechanism fully explores the new model of big data application in the personal credit business.First,it will elaborate on the related theories of big data,personal credit business and risk management in the banking industry,as theoretical support for the rest of the text;Problems;again,the introduction of the "quick loan" project case of Bank Y's application of significant data innovation and development,from application,approval,payment,repayment and post-loan management,and based on this,combined with Bank Y's credit business The shortcomings exist,starting from the three links of pre-loan,mid-loan and post-loan of commercial banks,from the perspective of strategy,resources and information integration,put forward solutions and suggestions for preventing and controlling credit risks,identifying customer risks,and to improve The purpose of competitiveness in the big data financial environment is to use big data to complete the transformation and upgrading of personal credit business development.