Research On Post-Loan Management Of Credit Business Of S Bank

With the increasing pressure of economic growth,the complex market environment,the gradual release of financial policies and the rapid development of information technology,the credit business of bank plays an increasingly important role in supporting the development of economy and achieving its own stable profitability,and risk management is the core of realization of bank credit function.There is no doubt that big data has the characteristics of large capacity,variety,high authenticity,broad coverage,rich dimension and high real-time,it is an important step to improve profitability and control all kinds of risks for banks.As far as our country is concerned,the state council,the ministry of industry and information technology and the CBRC have formulated a series of policies and documents on the application of big data technology,industry and risk management of bank credit business in 2015-2017.The aim is to strengthen the security management of credit information and improve the risk management system.It is obvious that the commercial banks have huge amounts of data,and how to reasonably collect,storage,process,analysis and use big data are the key to reduce credit risk and enhance the level of risk management.Based on the comprehensive domestic and international literature and the definition of main concepts,the paper analyzes the coupling mechanism between the big data and the risk management of bank credit business from two dimensions of theoretical and practical aspects,including bank credit risk management,the main problems,coupling basis(feasibility,necessity and sufficiency),the general mechanism(data-value-performance)and the international experience.Secondly,the paper analyzes the risk management of bank credit business based on big data:1)the paper analyzes the overall situation,credit business situation,the current situation of credit risk management and the deficiency of traditional risk management mode of S bank.2)the paper analyzes the application of big data in credit business post-loan management based on the application philosophy,strategic positioning,implementation steps,system architecture,system flow and application examples.The latest stage of credit business post-loan managemelt based on big data is the comprehensive modeling stage,and the development strategy includes four aspects:data collection and application,mastery of technology and maintenance of leading,in-line coverage and off-line profit,internal coverage and external earnings,and the implementation steps are five steps such as establishing core team,establishing risk control technology,improving post-loan management,establishing core products and realizing external profit.In addition,the system architecture follows the principle of "post-loan management application database-rules engine-practical application",and the management process includes six main parts:system warning,warning objection,risk identification,risk checking,risk concerning and artificial warning,and it has the characteristics of intelligence,automation and standardization.Application effect includes:helping S bank manage credit business elaborately and comprehensively,simplifying the post-loan management process of credit business,promoting the transformation of post-loan management mode from passive to active mode,reducing the credit risk and non-performing loan ratio,reducing the loss of credit business which caused by the invalid post-loan management,improving bank profitability,and laying a foundation for the realization of the comprehensive risk management,etc.In the end,the paper analyzes the shortcomings,optimization direction and revelation of the post-loan management system of the credit business of S bank.Firstly,the deficiency are mainly reflected in the data source,talent,technology,management process,operation mode,risk culture and so on.Secondly,the optimization direction are expanding external data sources moderately,strengthening the technology research by incubating and importing talent,optimizing the operation mode of big data system by handling the relationship between risk control and the business,promoting the formation of comprehensive risk management system by strengthening the big data cultural construction as the link.Thirdly,the enlightenment to other banks are innovating and deepening big data ideas which is the focus of risk management of bank credit business,improving the application of big data which is the focus of improving the effectiveness of credit risk controlling,and perfecting big data system can help to promote the change of bank risk management mode.