Case Study On Z Bank’s Credit Customers’ Risk Warning System Based On Network Public Opinion

Internet public opinion has spread widely and rapidly.To get the hidden risk of enterprises,banks must analyze,synthesize and utilize the data of the massive amount of Internet public opinion to achieve risk warning of credit risk.However,the analysis of network public opinion by man is time-consuming and prone to subjective misjudgments.Banks are trying to use computer technologies to analyze network public opinion and realize intelligent risk warning.This paper studies the risk warning system of Z bank based on network public opinion.It can promote the relevant research on risk control of commercial banks,and has important reference to improve risk management of commercial banks in practice.This paper summarizes the basic theories related to the system of bank Z,analyzes the specific needs of banks,introduces the architecture and core technologies of the system,studies its functions and application scenarios,and finally get a conclusion.The system carries out mutual verification and in-depth mining through the integration of government public information,media and private data of financial institutions.It customizes the risk warning threshold according to the risk control standards of Z Bank.An enterprise risk control report is generated and warning information is sent after comprehensive analysis and summarization.The successful application of the system shows that the system can quickly extract key risk points and relevant risk control data of the targeted enterprise in the Internet public opinion,access the bank credit system and risk control system,and promote the bank to carry out new effective,accurate,dynamic and overall risk warning.Compared with traditional risk control,in addition to the improvement of the speed and accuracy of risk warning,the main advantage of the system is that it integrates expert experience and intelligent models,effectively reduces the risk blind area,unifies the risk control threshold,and reduces the cost of risk.To sum up,the intelligent risk warning based on network public opinion can achieve efficient warning of credit risk for commercial banks.Through practice and research,it can be seen that the system can be connected to the original system of the bank through the API interface,so as to improve the financial risk control at a small cost,and facilitate the promotion and application of the system in commercial banks.Banks that have mastered the relevant core technologies will have new competitive advantages in both operation and risk control.