Research On S Bank Credit Risk Prevention And Control From The Perspective Of Big Date

"Big data" leading the development of the times has become a global consensus.Data has penetrated into every industry and every corner.Some countries have formulated big data development plans and upgraded them to national development strategies.How to adapt to the development trend of big data,make full use of its own advantages,and reduce the non-performing loan ratio has become the direction that banks need to think and practice.Based on the application of big data as the background,this paper takes S Bank as an example.First,it analyzes the entire process of S bank credit business survey,credit review,and post-loan monitoring under big data,and conducts scientific statistics on the results of the questionnaire survey.Data credit prevention and control problems in the credit process.Secondly,it is concluded that the application of S-bank big data has not been fully revealed,and on this basis,the reasons are analyzed,and the pre-credit survey financial data,non-financial data,procurement-review-sales information are asymmetric,and investigators are limited by knowledge to grasp key risk points Not allowed;the limitation of information grasped by reviewers during credit review and lack of professional knowledge of approvers;lack of timely monitoring of financial data,non-financial data,purchase-production-sales in post-loan management.Finally,the use of big data technology to propose solutions to the problems of credit business,including building a data warehouse,strengthening data quality,optimizing data information resources,so that its value can be more effectively used;carry out data analysis and mining,all aspects before credit Collect customer information to reduce the probability of information asymmetry business risks;use the new model of credit risk in loans,use the report of the credit risk assessment model to point out the differences for review and reviewer reference,strengthen off-site analysis after loan;do a good job in training data talents,Establish a prevention and control audit mechanism and innovative credit products,and promote the establishment of financial standards.This article adopts a combination of theory and practice,and proposes the strategy of applying big data technology to improve the information asymmetry between S bank and customers and reduce the non-performing loan ratio.The application of big data application technology makes S Bank no longer a weak party to passively receive information,but to use big data technology to actively collect data and integrate the data and the actual operating status of the enterprise into daily credit risk management to improve information with borrowers Symmetry,reduce loan non-performing rate.