Research On The Credit Risk Evaluation System Of Commercial Banks Under The Background Of Big Data

With the rapid development of China's economy,the degree of openness of China's financial market has been gradually opened.The default rate of non-performing loans caused by venture capital has been rising year by year,and the backward management of China's credit risk has become increasingly prominent.In the future,the difficulty of credit risk management will inevitably increase,and wealth management institutions will face great challenges in credit risk.For commercial Banks,it is imperative to establish a scientific,reasonable,accurate and effective credit risk monitoring and evaluation system.With the advent of the era of big data,commercial Banks should make scientific and reasonable credit evaluation on customers with the help of new tools,so as to effectively prevent credit risks and have a more comprehensive understanding and mastery of loan customers' information,so as to enhance Banks' control of credit risks and reduce Banks' non-performing loans.Based on the bank of China Hong Kong branch as an example,through to the traditional credit evaluation of the status quo and existing problems are analyzed,and puts forward the traditional credit risk management experience combined with big data,based on a large data to screen the risk of bank credit assets,identification of loans of commercial Banks bad debts risks,avoid to produce bad debt losses and other credit management to provide scientific basis.In this paper,the logic of "put forward the problem-analyze the problem-solve the problem" is adopted in the case study.Firstly,the introduction introduces the general situation of this paper,including the background of the topic,the research content,the purpose and significance of the paper,the research ideas,methods and structure of the paper.Secondly,this paper elaborates on credit risk control and relevant optimization strategies of domestic and foreign scholars,and takes this as the basis of this paper.Then,using the method of case analysis,qualitative analysis,sum up the research methods such as commercial Banks based on the background of big data is described in this paper,establish an effective credit risk evaluation system through the establishment of credit risk evaluation model,using this model to strengthen risk control in daily business management,thus to improve the commercial bank credit risk prevention and control ability in the era of big data,and put forward reasonable Suggestions,to XD co.,LTD.,for example,to verify the accuracy and practicability of the evaluation system.