Research On The Application Of Big Data Technology In Risk Control Of Commercial Banks

After Toffler proposed the concept of "big data",various industries began to actively explore the value of big data application.Domestic Internet giants have successfully applied big data to the field of financial science and technology by taking advantage of their technical advantages,and have absorbed a large number of original customers of banks in a "fast,efficient and guarantee free" business mode.For commercial banks that have been carrying out risk prevention and control in a conservative way,the prevention and control is biased towards compliance operation.Take loan business for example,there are many audit procedures and poor timeliness,and the control efficiency of customer resources is low,so it is easy to confuse high-quality and low-quality customers.In addition,with the enhancement of the supervision of commercial banks by the bancassurance Regulatory Commission,commercial banks have to cancel some nonconforming businesses and departments.Therefore,the business transformation of commercial banks is imminent.More in-depth exploration of market segments,that is,the dynamic regulation of risk in the process of business development,so that risk governance has a global view and forward-looking,has a new era significance.This paper first analyzes the development process and effect of risk control of a commercial bank.Based on the study of various risk assessment models and big data risk control system of Internet financial companies,this paper constructs a big data risk control system for a commercial bank from the aspects of design concept,business process and technical architecture.Then,the cart algorithm of decision tree is used to build the model,and the big data risk control system is applied from the perspective of personal credit risk by using the data of commercial bank a and the third-party platform.Further determine the credit evaluation criteria,analyze the repayment information of the lender,including repayment ability and willingness,to provide the basis for commercial bank customers to explore and classify.In addition,taking credit evaluation standard as reference,the big data early warning system is used for real-time risk early warning,which provides an effective and operable application scheme for comprehensive risk prevention and control of commercial banks.Finally,on the basis of theoretical study,model analysis and case application,aiming at the problems existing in the application of big data risk control in a commercial bank,this paper puts forward corresponding suggestions and improvement measures from the aspects of platform construction,innovative operation and industry order.