Analysis Of The Commercial Bank Personal Credit Risk Management Based On Big Data

With the development of Internet technology, cloud computing and data mining,the extensive application of large data has been used in human work and life, and the value of data contained in the market environment is increasingly apparent. Perceived,networked and intelligent is the data with unique properties, these three characteristics promote the data technology to revolutionize innovation, but also in the industry put forward a new way of thinking, that is,the use of large data technology for analysis and the calculation. Commercial banks are industries that use high-volume data and information. Because the information asymmetry exists, the banks in the daily business will inevitably control the risk, but the risk control technology need to be improved. With the establishment of bank database and the introduction of professionals, as well as the improvement of data sharing platform, commercial banks can more fully and effectively use the system data for all areas of customers with comprehensive, complete and thoughtful service. Based on the big data promotion situation, each commercial bank is more and more aware of the necessity of using large data, as well as improve the ability to analyze data and information, but also take combination of large data and credit evaluation as a new direction for banking business development.After ten years of rising and growing, the domestic bank's personal credit field is facing a serious obstacle to the transformation of high-quality, the main problem is the target customers tend to saturation. increasing market risk, and the increase in non-performing loan ratio. The above problems are likely to affect the quality of credit loans. In order to reduce the impact of these factors, to strengthen the ability to deal with the risk of loans and the imperative. All in all, commercial banks' ability to control the risk of personal loans can show its level of business. Under the influence of information and large data, the existing bank credit risk control methods should be updated and improved.This paper firstly describes the writing background of the article, the domestic and foreign research on large data theory, personal loan risk, and the structure of the paper, and then discusses the large data and personal credit risk management,indicating the trend of global large data technology and personal credit. Secondly, it mainly studies the market environment outside the bank and the operation status of the personal credit business, and then sums up the main risks of the credit business,analyzes the situation of personal credit risk management, and points out the problems of large data in the application of risk management. Finally, according to the actual situation of China Construction Bank, this paper puts forward some suggestions on improving the risk management of personal loans in the background of large data, for example, to strengthen the control and innovation of credit flow, to cultivate professionals and to strengthen cooperation with industry.