Research On The Intelligent Management Cases Of Fraud Risk Of Commercial Banks Credit Business

Under the new normal economy,the downward pressure of real economy continues to increase now.The market competition in the financial environment speeds up,andthe difficulty for small and medium-sized enterprises to repay their bank debts are increasingly prominent.Enterprise evasion of bank debts happened frequently,and the conduction of external risks such as illegal fund-raising and folk lending to the banking industry is intensified.Credit frauds like loan frauds become the core of risk factors of the frequently happened banking business cases,and they are also one of the important causes which trigger or enlarge credit risks and market risks.The variability and complexity of fraud risks determines that the traditional credit risk management methods of commercial banks can't effectively identify them,and it is needed to build an intelligent management mechanism.But nowadays,the small and medium-sized commercial banks lack a clear management strategy and an intelligent monitoring method to prevent fraud risks,and the intelligent management of fraud risks in credit business has become one of the problems which need to be further conquered in risk management of commercial banks.To strengthen the intelligent management of credit fraud is very important.Firstly,it is helpful for the commercial banks to accurately implement the regulations and to improve the comprehensive risk management system.Secondly,it is a realistic demand for commercial banks to deal with the current severe situation of high rate fraud cases.Thirdly,it is a feasible means for commercial banks to supplement the risk management board and to enhance management efficiency.Based on the review of formal literature,this paper takes C Bank as an example and uses case analysis methods to analyze the characteristics of credit business fraud.Firstly,it screens out typical loan frauds happened in domestic financial institutions and analyzes the methods and reasons of these cases.Also,it screens out several loan frauds happened in and out of Sichuan Province and the criminals of which have been sentenced to punishment to do statistical analysis on the fraud methods,fraud signal characteristics,and criminals' types,and form the advice of prevention mechanism.Secondly,this paper summarizes a currently feasible and effective intelligent fraud management strategy for credit business of commercial banks by summing up the currently advanced means of fraud detection,prevention and controlling in domestic financial industry(including intelligent anti-fraud management practices of large state-owned commercial banks,local commercial banks and internet banks).Thirdly,it analyzes the characteristics of fraud events happened in and out of C bank,and summarizes the fraud risk threats that C Bank may meet internally and externally under present situation as well as the characteristics of the threats and the points of how to prevent them.At the same time,it analyzes the shortage in traditional management of fraud risk according to C Bank's fraud risk management situation.Then it summarizes the advanced method of fraud risk management of C bank through the use of site investigation,off-site material collecting,etc.,in combination with the advanced risk management practice,big data risk control technology,and intelligent management system.Finally,this paper comes up with an intelligent fraud risk management corresponding strategy in credit business of commercial bank according to its actual needs and put forward the implementation ways and solution measures of the strategy motioned above.Now the literatures which research on credit fraud risks at home and abroad mostly concentrate on the fraud management system,and rarely study on how big data,intelligent risk control technology and the risk management of credit business are subdivided.The innovativeness of this paper is: firstly,it focuses on the core profit-producing business of commercial bank-the credit business,and connects the way to guard against the risk of loss in credit business with large data intelligent risk management;secondly,during the writing of this paper,the writer collected directed direct data and information about intelligent anti-fraud management through field investigation,on-site interviews and other ways,and formed a comprehensive summary on existing intelligent anti-fraud model and effect;thirdly,taking C Bank as an real example,combined with the actual situation,the writer made detailed status analysis and countermeasure research,and this paper has a certain universal reference significance for small and medium-sized commercial banks to carry out intelligent anti-fraud management.