Research On Credit Risk Management Of Commercial Banks Under The Background Of Big Data

Among China's modern financial system,commercial banks are an important part of it.The main function of commercial banks is financing.The main way to provide financing is credit business.Therefore,in China's current financial system,the most important risk management is commercial bank credit risk management.Since the reform and opening up,China's economy has begun to take off,various financial products have sprung up,commercial banks' credit activities have gradually increased,and credit risk management of commercial banks has become increasingly complicated.Under the traditional thinking and methods,credit risk management of commercial banks is mainly done by new personnel.Depending on the subjective experience of credit officers and traditional quantitative analysis,resources and human resources are greatly wasted,and the evaluation results are not accurate enough.Ignore some potential risks and fail to achieve full-stage credit risk management,which may cause huge losses to commercial banks.In the economic development and new credit environment,the types and amounts of commercial bank loans have increased drastically.When conducting loan business,they also need to face different types of customers.If traditional credit risk management methods are adopted,they will not be able to cope with new ones.Business requirements are not enough to cope with the endless stream of credit risks.Therefore,it is necessary to strengthen the exploration of credit risk management of commercial banks and find new ways and technical means to deal with credit risks of commercial banks.As more and more people use and rely on the Internet for work and life,on the Internet worldwide,all kinds of data grow rapidly.Commercial banks themselves have huge databases and have their own information collection channels.The degree of informatization,using its own advantages,collected a variety of data,how to better analyze the data,tap the information and use the data to propose new ideas for credit risk management of commercial banks,but It also raises new challenges.The use of big data for commercial bank credit risk management is not only a simple technical issue,but also involves data quality,data talent training,and data security.Therefore,strengthening the research on credit risk management of commercial banks has important theoretical and practical significance.This paper studies the credit risk management of commercial banks under the background of big data.Firstly,it expounds the background and significance of the topic,summarizes the relevant research literature at home and abroad,and gives the research content and research scheme of this paper.Then,it summarizes the traditional credit risk management methods,and points out the existing problems.Then,it gives the basis of big data and credit risk This concept gives the basic theory and method of credit management system and credit risk management,and proposes to use big data theory to solve the problem of traditional credit risk management of commercial banks,and points out the potential advantages and necessity of using big data for credit risk management of commercial banks.Then this paper analyzes the credit risk management of the loan products designed by bank a using big data model,and points out the shortcomings.At last,this paper puts forward the idea of risk management of commercial banks based on big data,and designs the method of credit risk management of commercial banks based on big data.