Research On Credit Risk Management Of Commercial Banks Based On Big Data

As one of the most cutting-edge fields of internet technology nowadays,big data have been closely related to our life and applied to various fields,from business technology to medical care,government,education,economy,humanity and other fields in society.It can be stated that big data are applied increasingly extensive,and in more and more industries.The banking industry with massive data is changing its business model and operation philosophy by the application of big data.The application direction of big data in commercial banks will be: customer intelligence,product intelligence,risk intelligence and operational intelligence.Commercial banks are the enterprises of a nature of taking operational risks.As the lifeline for banks to maintain steady operation,risk management,especially credit risk management,is particularly important,the success of which is vital to the survival of banks.Therefore,it is important significance for commercial banks construct of intelligent risk management based on big data.This paper researches on the intelligent risk management of commercial banks,and explores the application of big data in the risk management of commercial banks.Taking the J-bank as an example,this article first briefly discusses the concept,characteristics and connotation of big data,the concept of credit risk,the connotation and objective of credit risk management of commercial banks,and summarizes the application of big data technology in the field of credit risk management of commercial banks.Secondly,this article discusses,in terms of opportunity,the impact of big data application on the J-bank,and analyzes the current situation of credit risk management of the J-bank and the necessity of big data application in the field of credit risk management.Thirdly,this article discusses the issues that the J-bank is facing in the practice of application of big data in the field of credit risk management,which mainly focuses on the issues of storage and development of big data,information security of big data,shortage of talents in big data analysis in the field of credit risk management,and construction of a unified view of enterprise-level credit risk management.Finally,this article provides the solution for credit risk management of J-bank in the era of big data,which proposes,under the background of big data,to improve and consummate the credit risk management capability of commercial banks by strengthening the mindset for big data,improving the ability of data application,strengthening data security,strengthening professional analysis personnel training and constructing an unified analysis and alert platform for big data in credit risk management.This research result will not only have practical guiding significance for the future credit risk management of large state-owned commercial banks,but also will enlighten the banking industry to maintain more steady operation and improve credit risk management and control ability in the era of big data.