Research On Bank Credit Risk Management Based On Internet Big Data Environment

With the advent of the era of big data,data has become a key factor for the success of financial enterprises.Through the continuous exploration and consolidation of multi-dimensional big data,it can provide a powerful impetus for the development of financial enterprises' current and future business.The competition and progress in the era will lay a solid foundation,and in the future it will become the most important production factor and strategic capital of the bank in the fierce competition.As the business risk-based enterprise,in order to be invincible in the fierce competition in the era of big data,banks must obtain risk prevention and control capabilities suitable for big data development in this process.This paper first introduces the research background,research significance and research status of bank credit risk control under the Internet big data environment.Secondly,it introduces the basic concepts of bank credit risk management and big data,and analyzes the big data risk control and its characteristics.The method of big data risk control is introduced,which illustrates the scientific and effective use of big data for credit risk management.Then it summarizes the current situation of bank risk management and analyzes the problems existing in current bank credit risk management;Next,the design scheme of the big data credit risk management system is analyzed.The necessity,feasibility,main application scenarios,expected goals and overall structure of risk management are analyzed.Then the credit risk assessment based on decision tree model is carried out.The corresponding credit risk assessment model is established,and the practicability of the lodel is verified by model training and user credit score.The effectiveness of the system is verified through a bank example.Finally,measures and suggestions are put forward in the paper for establishing a financial security information security system,weakening information asymmetry,monitoring improvement measures and deep application of large data.Through the research on bank credit risk control,it can not only greatly improve the management level of credit risk control,but also reduce the overall risk of bank credit business and significantly reduce the ratio of non-performing assets.