Design Implementation Of Commercial Bank Risk Management System Based On Big Data

With the continuous development of the social economy,the sources of interest of China's commercial banks are increasingly diversified,and the financial risks brought by them have also increased.The decline in the growth rate of loans,the narrowing of net interest margins and the rise in non-performing assets have led to a sharp decline in bank profits,threatening the security of the financial system.Today,big data technology and computer software technology are in a period of vigorous development.It is very applicable to combine the two to solve financial risk problems.The application of big data to financial institutions has been commonplace.Especially in financial risk management,commercial banks themselves are important producers of information data,and they have mastered many potential customer information data during the operation.The development of commercial banking has great dependence on data.Therefore,it is necessary to carry out expected risk management on the data held by banks,so as to reduce the bank's business costs and improve risk management capabilities.Data has become an important basis for the smooth development of banking business.The deep mining and precise management of data has become an important guarantee for the development of commercial banking business,and also an important way for banks to cope with market competition.Data has become an important factor for banks to cope with financial risks.Strategic information.Therefore,the use of big data in the discussion and research of the risk management process of commercial banks is of great significance.The subject is based on the risk of the credit business of the contemporary commercial bank(pre-lending,lending,and post-loan)as the main research object,and explores the application of big data in the risk management process of contemporary commercial banks.Utilize big data to observe the actual needs of users to meet the needs of customers,and establish an integrated risk management system under the premise of bank credit update,which strengthens the risk-sensitive foundation that the previous bank risk management system pays insufficient attention to.Link,thus realizing the bank's real-time monitoring of credit risk.By discussing the definition of the role of commercial banks in credit risk and the specific operational procedures,the relevant functional modules used in this system are designed and implemented.After the system is implemented,the functions and performance of the system are tested in detail.Indicates that the system is operating normally and has excellent performance.This system plays a vital role in the development of banking business,management capabilities and market competitiveness,improving customer experience and satisfaction,improving bank risk management and promoting sustainable social and economic development.When it is put into use,it not only saves banks money on credit risk management,but also achieves higher market benefits.