Research On Strategies For Improving ZS Bank’s Risk Control And Management Ability Under The Background Of Big Data

As a major participant in China’s financial industry,commercial banks play a crucial role in economic development.However,with the continuous development of the economy,commercial banks have begun to provide a variety of diversified services to customers,with increasingly complex transaction content,and accompanied by a more competitive environment,commercial banks’ risk management is also facing greater challenges.With the introduction and gradual application of the concept of big data,the banking industry has also begun to actively explore the value of its application in risk control management.Big data technology has the ability to process massive amounts of data and information,integrate and analyze them,and provide objective reference for banks’ decision-making.Therefore,banks should strengthen the application of big data technology and continuously optimize their own risk management level.This article aims to optimize the risk control management of ZS Bank using big data technology to promote the sustainable development of the bank.The article first reviews the relevant literature of domestic and foreign scholars on risk management of commercial banks and the use of big data technology for risk management,and determines research objectives based on relevant concepts and theoretical foundations,with a view to providing reference for ZS Bank to better utilize big data technology for risk control management.Next,this article uses the questionnaire survey method to investigate the current situation of risk management of ZS Bank,and analyzes the existing problems in the current risk control situation.Based on this,it is concluded that currently,ZS Bank is mainly faced with credit risk,market risk,and operational risk.Therefore,this article uses big data technology to optimize the above three risks,and analyzes them from the risk identification,evaluation,and control stages,to solve the current problems in risk control management of ZS Bank.Finally,this article proposes safeguards for ZS Bank’s risk control management improvement strategy to help ZS Bank better utilize big data to assist in risk control management.Overall,big data has brought opportunities for ZS Bank to improve its risk management level,but it also brings a series of challenges such as information security.Therefore,ZS Bank should make full use of big data technology,continuously strengthen information security management,and strengthen the application level of financial technology to ensure the healthy and orderly development of the bank.