Research On Improvement Of Hua Rong Xiang Jiang Bank’s Credit Risk Management

From the point of the whole process of the development of financial industry,the banking sector in the face of crisis often occur,such as the subprime crisis,the European debt crisis,the crisis often after a long latency and cumulative,wait until the crisis erupted,bring economic shocks,which caused huge losses immeasurably,sometimes even can give a bank with a devastating blow,Good risk management can prevent and reduce the occurrence of crisis,guarantee the normal operation of banks and generate considerable profits,which shows the importance and indispensable of risk management.Therefore,commercial banks integrate risk management methodology into their management philosophy,organizational structure,product design,process design and strategic planning by strengthening risk management capability and taking it as the core development strategy and main capacity building goal.Commercial banks should take the initiative to adapt to financial risks and challenges,improve their internal risk management processes,carry out comprehensive risk management ideas and apply modern financial engineering techniques.This paper first summarizes the current academic credit risk management research results,basic theory of data mining analysis,big data risk management and automatic credit management process,and analyzes the risk management system,management measures and main existing problems of Huarong Xiangjiang Bank.It points out that the main problems are weak risk identification ability,insufficient risk assessment ability,imperfect risk prevention and control system,and lack of post-loan management means,and analyzes the external and internal causes of the problems.Then,the paper proposes a specific improvement scheme of credit risk management based on big data.By introducing big data risk control methods and automatic decision approval system into the credit approval process and post-loan risk monitoring,Risk identification ability before optimization,the credit risk assessment scheme design,the credit rating model design,amount and interest rate pricing model design,and after the credit loan risk early warning process design,greatly enhance the abilities of risk identification and evaluation,to improve and complement the existing processes,risk prevention and control system effectively and solve our current common problems in credit risks.Finally,this paper not only considers the design scheme,but also evaluates and supervises the risk monitoring and product operation after the implementation of the scheme,so as to ensure the feasibility,stability and expected effect of the implementation scheme,and establish continuous optimization and improvement targets.Through the risk improvement measures,based on large data risk control model of automatic approval to launch online online technology and automation products,not only expand the small micro enterprise customers and sinks to unsecured markets,further incremental customer market and reduce the level of risk,but also to improve the customer experience,our products to expand our product influence and social recognition.In addition,product standardization and process automation enable the solution to be applied and promoted to the product risk control process of other business departments,providing reference for other industry risk management,ultimately promoting the level of risk management and reducing the overall asset quality risk.Credit risk management improvement will be an ongoing topic,and research will continue and innovate,and be implemented through the combination of fast changing big data and fintech.