Study On The Operation Optimization Of An Intelligent Credit Risk System For Banking Customers

Credit risk is the primary risk that commercial banks face.Developed countries have relatively mature credit risk management systems for commercial banks,with corresponding mechanisms for practical application and theoretical exploration.Commercial banks continuously try and apply the latest technological methods in credit risk analysis.However,the credit risk management system in China is not yet complete,so researching the optimization of the credit risk system operation has significant scientific value and practical significance in enhancing the competitiveness of commercial banks and strengthening their credit risk management.In the development of the national economy,the growth and expansion of commercial banks have a significant impact on the development of the entire market economy.The operation of commercial banks is closely related to the lifeline of the national economy,and risk management for commercial banks is an important topic worthy of attention and emphasis.This thesis first introduces the background of historical research,summarizes the research status at home and abroad.Next,the importance of the commercial bank credit risk system for credit risk management is discussed,and the basic theory of the credit risk system and intelligent risk control is introduced.Then,the S branch of Y Bank is used as an example to detail the operation status of intelligent credit risk system by referencing research results from Domestic and foreign researchers and International Standard & Poor’s Credit Service Co,Ltd.The monitoring system includes five major areas: macro-environment,customer basic information,production and operation,financial condition,and collateral situation,as well as 49 secondary indicators,such as borrower’s overdue payments to other banks,decreased income compared to the same period,and reduced water,electricity,and gas consumption compared to the same period.Data is output through an intelligent credit risk monitoring system to issue warnings for risky customers,so credit client managers can carry out risk verification and risk disposal to protect the safety of credit funds as much as possible.Subsequently,the effectiveness of Y Bank’s S branch’s intelligent credit risk management system is analyzed and evaluated based on a risk case study,and a questionnaire and expert interview form are used to investigate and collect suggestions for improving the index system and management effectiveness.In the case study,325 samples of overdue payments for more than 5 days and bad credit businesses were collected from Y Bank’s S branch to test the effectiveness and accuracy of the bank’s customer intelligent credit risk evaluation index system.Finally,measures are proposed to improve the operational efficiency of the credit system for Y Bank’s S branch,including the problems in the operation of the intelligent credit risk system.With the increasing trend of intelligence,speed,and replacement anxiety,it is especially important for banks to accurately position themselves and better integrate their credit risk evaluation indicators with intelligent systems.The improvement of an intelligent credit risk evaluation indicator system and subsequent risk management remain a major difficulty of banks and the focus of this thesis.This thesis focuses on the operation of the intelligent credit risk system for bank clients and conducts research through case analysis,questionnaire surveys,expert interviews,and experimental studies to analyze the effectiveness of the indicator system.The thesis also analyzes the problems in intelligent risk control at the S branch of Y Bank,and optimization measures,providing some reference for banks to effectively identify credit risks.