Research On The Improveme Of Measurers Consumption Credit Risk Management In Bank Of Lanzhou Under The Background The Big Date

China’s macro economyhas entered a crucial period of stable growth,structural adjustment,and transformation promotion.faced with an increasingly complex and volatile external environment,domestic consumption has continued to play a stronger role in driving economic growth.Becoming the first driving force for economic growth and injecting surging power into the good situation while maintaningof steability in China’s economy.At the same time,with the accelerated pace of financial globalization and the implementation of interest rate marketization reform and deposit insurance system,the competition between banks is becoming more and more fierce,which means that the mode of domestic commercial banks relying on deposit and loan interest margin to obtain profits is facing severe tests.Banks must create new profit growth points in the new development opportunity period.According to market changes,domestic commercial banks have adjusted their strategic plans in a timely manner,gradually shifting the focus of business development to consumer credit businesses with low proportion of economic capital and relatively small risks.Therefore,consumer credit has become a new area in which financial institutions compete one after another.The contradiction between traditional risk management technology and the rapidly developing scale of consumer credit is increasingly prominent.More efficient and accurate risk management is particularly urgent for financial institutions to seize the scale of consumer credit market and improve market share.This paper focuses on the risk management of consumer credit.Analyzing the consumption credit of Lanzhou bank under the traditional risk management technology,the problems and deficiencies which were arisen in pre-loan investigation,in-loan review and post-loan management,Through setting customer screening criteria,adjusting approval strategy,diversifying scenario modeling,strengthening post-loan risk monitoring and early warning,and other improvement measures in the whole process of risk management,building self-service approval decision platform to realize the intelligentization and automation of consumption loan approval decision-making,so as to improve the efficiency of the examination and approval of consumer loans,the application and practice of Lanzhou bank’s lily score and knowledge map have enriched the application direction of Lanzhou bank’s big data risk management.At last,the paper puts forward the guarantee of the improvement measures of consumer credit big data risk management,so as to ensure that the risk management of big data can be continuously and effectively operated,it will provide strong support for the healthy and steady development of Lanzhou bank’s consumer credit,and clear development direction and focus,but also for other financial institutions to vigorously develop consumer credit business.Especially in the consumer credit risk management has certain reference significance.