China Construction Bank Enterprise Loan Data Management Problems And Optimization Countermeasures

In the information age,the production and operation of enterprises as well as the strategies implemented can be data-driven,and it can be said that the level of an enterprise’s data management capability plays a decisive role in its development.In the context of economic structural transformation and increasingly competitive financial markets,banks are facing more challenges in their development.In order to improve their operations,banks need to make good use of modern technology to manage their data.This is because banks cannot do without data management in terms of customer marketing,business decisions,innovative products and risk prevention and control.In the face of massive data management,the existing data management of many banks can no longer meet the actual needs.Therefore,how to change the thinking and what methods should be adopted to achieve efficient management of bank loan data has become an urgent problem in strengthening financial statistics research in the context of big data.The article investigates the corporate loan data of construction banks through literature research method and survey analysis method.It explores the current situation of the construction bank’s corporate loan data,summarises the development profile of the construction bank,sorts out the construction bank’s corporate loan business processes,and also analyses the construction bank’s corporate loan data during 2016-2020,and conducts regression analysis on the data,concluding that the construction bank’s loans and advances issued,average balance and interest income from 2016-2020 present a linear regression of second-order equations characteristics.On this basis,the article analyses the problems in the loan data management of Construction Bank from three aspects of its corporate loan data collection,processing and release.The study finds that the causes of the problems in the corporate loan data management of Construction Bank lie in the influence of the external environment and internal management,and finally,according to the problems and causes of the corporate loan data management of Construction Bank,the problems in the bank’s loan data sources,internal data processing techniques,In the end,based on the problems and causes of corporate loan data management in the construction bank,we propose countermeasures for improvement from the perspectives of loan data sources,internal data processing techniques,data analysis effectiveness and staff.It is hoped that this will serve as a reference for loan data management in construction banks and other financial industries.