Research On Risk Management Of Financial Leasing Based On Big Data's Risk Control Technology

Financial leasing originated in the United States in the 1950 s and is the product of the development of market economy to a certain stage.China introduced this new trading method in the 1980 s,and after nearly 40 years of development,it has become a very important non-bank financial institution.Financial leasing belongs to the collection of bank capital and industrial and commercial capital.It can be used as an important means to solve the financing problem of small and medium-sized enterprises.However,in recent years,the development of financial leasing industry has encountered bottlenecks.Under the dual background of the global economic downturn and the tightening of financial supervision in China,financial leasing risk management has become more and more important.At present,China has entered the era of big data,and big data is widely used in various industries.The application of big data technology in the financial industry has a natural data base,and the core of financial technology is to combine with big data technology.Based on the original profound data accumulation,combined with big data's technology capabilities,operational efficiency and service capabilities can be improved in the whole life cycle of the financial industry.Risk management and control is the core of financial business.With the wide application of big data technology,big data risk management technology is gradually derived.Big data risk control technology can help risk managers to effectively improve the efficiency of risk management and reduce the cost of business audit.At present,it has a broad practical basis in commercial banks,consumer finance and other fields.Under the background of the increasing risk of financial leasing and the wide application of big data's risk control technology in the financial industry,this paper uses two analysis methods: literature research and case analysis.first of all,it lays the foundation for the later analysis by expounding the research results of big data risk control and financial lease risk management at home and abroad,as well as their related theories.And then,Through the analysis of the traditional financial leasing risk management process,we find the limitations of the traditional risk management process.Then,it analyzes the current situation of the integration of big data risk control technology into financial leasing risk management,and analyzes the existing practice of big data risk control technology in financial leasing industry from four aspects: enterprise credit information,intelligent data platform,intelligent anti-fraud and relationship analysis,and finally puts forward some suggestions for improvement in view of the problems found above.Standing from a new perspective,this paper finds the problems in the risk management of traditional financial leasing,and puts forward the solution of big data's risk control,which has a certain degree of innovation.Previous studies either use traditional risk management methods to solve problems from the perspective of traditional financial leasing risk management,or only use a single case to analyze the situation of the whole industry,while this paper selects four different companies.combined with four different application scenarios,to analyze big data's risk control ideas,there is also some innovation in the content.