| Retail finance is an important factor on the road of inclusive finance in commercial Banks.The booming development of rctail finance has prompted the financial industry to put forward higher requirements on risk management.With the great changes in the external environment such as society,customers and science and technology,the traditional risk management mode of retail finance business is too simple and lagging behind.Therefore,it is necessary to explore new active risk management mode to meet the urgent needs of the development of retail finance business.Making use of big data and big data technology is one of the social reform trends in the future.It is proposed in the outline of China's 13th five-year plan to implement the national big data strategy and promote the opening and sharing of data resources.On July 15,2016,the most important,comprehensive and systematic regulation measures on banking information technology were issued,namely the supervision and guidance on the 13th five-year development plan of China's banking information technology(draft).Big data will gradually become an economic resource,and the development of retail financial business with big data also ushered in the best historical opportunity.In the era of big data,how to properly manage the retail financial business of commercial Banks?This is a new challenge for all commercial Banks.Taking Bank A as an example,this paper first introduces the development and application of big data,analyses the impact of big data technology on retail business risk management of commercial banks,and studies how commercial banks actively explore and lay out the risk management model based on big data,and puts forward practical and concrete measures to promote retail funds.The development of financial services is adapted to the adjustment of national industrial structure policy,so as to meet the requirements of the development of the times and the needs of Basel Accord. |
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