Research Of S Bank's Personal Credit Based On Big Data

With the development of the socialist market economy and the deepening of reform,the relevant policies of the state have gradually formed a healthy environment conducive to the development of the private economy.The demand for individual and private economic financing has become increasingly important.As a source of profit for commercial banks' s personal business loans business gets more and more attention.The credit risk management,It is very necessary to established an risk managementmechanismof commercial banks and improve itcontinually,As it is an integral part of the comprehensive risk management of commercial banks.With the rapid development of the financial services industry,There are obvious limitations as the traditional model of approval of the loan which rely on manual.In recent years,large data technology has a profound impact on the traditional credit assessment methods,Using data mining technology,credit score model takes into account various aspects of customer information,historical records,making the evaluation of the default risk and credit qualification.Credit score is based on the bank customer's historical credit information,using a certain credit score model to assess the different grades of credit scores.According to the borrower's past credit performance to predict its future credit behavior.and the customer's credit score,by analyzing the possibility of repayment on time of customers,to grant credit,credit lines and interest rates,as well as the amount of credit after the adjustment,pricing and collection of appropriate risk measures.On the basis of introducing the basic concept and development process of the credit score model,this paper analyzes the application and value of the credit score model in the commercial bank,and takes the customer data accumulated by the S bank as the research object,using the logistic regression data mining technology,and analysis with the statistical and commercial banking intelligent software SAS,establish a personal business loans credit assessment model.At the same time combined with the situation of S Bank,find out the S bank's currentproblem of credit assessment,and the causes of the problem.And puts forward the corresponding countermeasures and suggestions for the bank of S,and provides relevant theoretical support for the personal credit risk assessment of similar commercial banks.And summarizes the limitations and prospects of the current model in practical application,hoping this will bring some enlightenment on the method of bank credit assessment.