The Application Of Large Data In The Credit Management Of Commercial Bank In C City

With the development of information technology,new technologies represented by big data,cloud computing,matter chain network and block chain have been put into use.In 2015,China released the action plan for promoting the development of big data,and made planning and design from the national level to the application of big data.As a data intensive and data dependent industry,banking has a unique data base advantage.It has been ahead of other industries in the era of big data.The application of big data plays an irreplaceable role in business innovation,risk control,transformation and upgrading of commercial banks,especially credit management has become the focus area of application.On the one hand,the traditional large state-owned banks and national joint-stock banks with a strong comparative advantage in scale and technology innovation,accelerate the strategic layout of the big data applications;on the other hand,the emerging Internet financial enterprises with rich e-commerce transaction information and social data resources actively involved in electronic payment and loan network etc.The financial sector,creating a rich credit products.In the environment of fierce competition between the traditional finance and Internet finance,the city commercial bank group,represented by the Commercial Bank of C City,is facing great pressure.The research and analysis of the application and development strategy of big data in C city commercial bank credit management is of great practical significance for the transformation and development of C commercial bank's credit business.Based on the above background,first of all,the application mode of big data in credit management of commercial banks is analyzed in detail.Combined with case analysis,four main application scenarios of big data in credit management are summarized.Secondly,in the C City Commercial Bank as an example,a detailed analysis of the three main stages of the credit management of big data application experience,explore the main effect of the current credit management data for the application of C City Commercial Bank has made and the main problems,the problems facing the data island,and the lack of strategic planning the talent pool is.Then,by using the professional knowledge of business administration,we conduct SWOT analysis on the application of big data in credit management of commercial banks in C City,and put forward countermeasures based on the analysis of internal strengths,internal weaknesses,external opportunities and external threats.Finally,on the basis of theoretical analysis,case studies and professional analysis,aiming at the application of big data in credit management of commercial banks in C City,the corresponding improvement measures and suggestions are put forward from three dimensions,including strategic planning,platform building and business innovation.Through the above research and analysis,suggestions of C city commercial bank credit management focus on big data applications: first,at the strategic planning level to play mechanism advantages,highlighting the localization and differentiation;two is,in the platform construction,to establish the uniform data platform,integrating data resources,eliminate the data island;the three is in the business of innovation,to focus on local data,strengthen cooperation with industry,focusing on small and micro credit business innovation.Only the commercial banks of C can make full use of their own advantages,develop their strengths and avoid shortcomings and locate them accurately,so as to be able to grow and grow in the fierce market competition.