Research On The Application Of Big Data In The Credit Management Of HNS Rural Credit Cooperatives

With the development of technologies such as the Internet and cloud computing,especially mobile Interne,big data is gradually applied to our lives,and promotes the development of science and technology and social change.Moreover,with the increasingly fierce competition between countries,it has also become one of the strategic commanding heights that shape national competitiveness.In the current increasingly fierce industry competition environment,domestic banking institutions are striving to optimize the service structure,respond quickly to market changes,and refine management decisions in order to seize new opportunities.In this context,commercial banks must actively seek breakthroughs to drive business transformation,enhance business value and gain competitive advantage through science and technology.As the largest financial institution in Henan Province,Henan rural credit cooperatives must carry out business innovation and transformation in order to meet the requirements of national economic and financial policies,as well as the needs of their own reform and development.At present,some municipal and county credit unions have taken the lead in the innovation of the credit business and tried the big data credit business by using the big data platform of local governments and the construction of smart cities.However,from the aspect of system,the current rural credit cooperatives adopt the two-level legal person management mode of provincial and county-level cooperatives;from the aspect of management,provincial and banking supervision departments overlap the management and supervision of county-level cooperatives,which is liable to produce contradictions;from the aspect of technology,some problems,such as,low integration of project data,insufficient connection with provincial associated press IT system,have led to the low quality and poor experience of the self-built big data credit system.In this paper,aiming to the existing relevant research data,some problems,such as poor customer experience,single product,high cost and difficult promotion are analyzed through the survey and statistics of Henan rural credit cooperative's current status of big data credit.In addition,combining with the research theories of large data credit at home and abroad,and drawing on the excellent experience of advanced banks,the next strategies that innovative reform of Henan rural credit cooperative systems is carried out by using national policies,data resources are integrated and a unified big data platform for the whole province is built by utilizing the national big data strategy,and product innovation is developed by utilizing the "Agriculture,Countryside and Peasants" policy,are proposed.Thus,a new idea is put forward in order to construct and popularize the big data credit system under the multi-legal person management system,and a new attempt in business innovation under the multi-legal person management system is innovative.