The Application Research Of Data Mining In Bank Credit Risk Management Of Corporate Customer

In recent years,our country gradually lower the economic growth indicator,the new normal development mode becomes the typical economic theme.With the deepening of financial reform,the acceleration of interest rate marketization process and the uncertainty of economic situation,the competition between banks increased intensely.As the the main source of the profit creation for commercial banks,corporate customer becomes the strategic position of commercial banks.How to improve the credit risk management ability of the corporate client and how to prevent and manager the risk directly determine the asset quality and profit level of the commercial banks and become the critical factors for the steady operation of banks in future.The corporate customer credit business,which contributes much to the commercial bank because of the large amount credit of single business,the short loan cycle,the strong customer service viscosity and the high return on earnings,is the most important asset of the current commercial bank and the main reason for the up higher bad loans ratio.So the credit risk of commercial banks is mainly on the credit risk management of corporate customer based on its credit business.This paper begins with the credit risk and its management,introduce the research status of commercial bank credit risk assessment model and reviews the shortcomings of existing credit risk assessment model.Then the basic concepts of data mining are introduced,the main technical methods and characteristics of data mining are described in detail.Then the general application of data mining in banks is summarized and analyzed,as well as the application in credit risk management.Finally,from the application perspective,the corporate customer credit business is selected as the analysis background,and the qualitative and quantitative analysis methods are used to analyze the key factors influencing the credit risk of corporate customer.Then,according to the key factors and the decision tree algorithm,create the decision tree modeling with python programming as the data mining tool to analysis.To make the right credit decision for commercial banks,the construction of the model provide a scientific basis,It is helpful to strengthen the bank credit risk control and improve the quality of bank credit assets and it has a certain reference meaning for the commercial banks to complete the loan analysis and credit risk management and early warning scientifically.