Bank Credit Risk Mangement Recearchbased On Data Mining

With the development of kinds of banking business,non-performing loan rate of commercial bank has raised annually,which not only affects the rapid and healthy development of the bank,and even lead to bank debt continues to expand the scale.In order to deal with non-performing loan rate,since 2014,financial institutions began to change the development strategy,to construct financial credit business system,but the risk problem of bank credit business hasn't been solved thoroughly,manage measures must be taken to help to control the credit risk of bank.This article analyze all kinds of risks and the reasons cause them deeply via the definition of risk management,the category of credit risk and risk prevention,risk assessment and grade,especially study the management problem of credit default risk of bank,research the assessment and alarming of credit default risk,and use data mining technology to strengthen bank credit risk management and prevention and get conclusion and solution,and design and realize credit risk management system based on related theory,and test the system by using samples from real credit loan cases,the test result shows that the realized system could get good results on both function and performance.The technology of bank credit risk management based on data mining and the realized credit risk management system can solve the problems of credit risk management of commercial bank faced nowadays,which can prove the quality of bank assets,can be used by the operator of bank credit management for reference.