Research On Credit Risk Management Of Bank Z Under The Digital Background

In recent years,China’s digital economy has become an increasingly important productive force,and the proportion in GDP is also more and more.The commercial value of data has been recognized by more and more industries.The tide of digitalization has also brought considerable challenges to the financial industry.The Central Bank and the Banking and Insurance Regulatory Commission have also issued heavyweight documents to explicitly support the digital transformation of commercial banks,including the digital transformation of risk management.In the face of new changes in economic development and new requirements of regulatory authorities,as a commercial bank with natural advantages of date,it is particularly important to make better use of this advantage to promote the healthy and high-quality development of banks,especially in promoting the development of credit risk management.This paper selects Bank Z as the research object,and uses four research methods:literature research,survey method case analysis method and questionnaire method.Firstly,this paper sort out and analyze the relevant literature at home and abroad on the data-based credit risk management of commercial banks,as well as the relevant theories used in the research process.Secondly,this paper introduces the basic situation of Bank Z from a pratical view,analyzes the present situation of credit business,the structure and quality of credit business,the main risks Bank Z faced,and judges its present management ability to cope with credit risks.Then use questionnaire method analyzes the current situation of Bank Z’s credit risk management,and analyzes the problems of the credit risk management,including the risk management process is not perfect;heavy data burden;the low risk of digitization management degree and the staff team construction is insufficient.Finally,in the face of these problems and the causes behind them,it proposes to strengthen the digital construction of risk management system;to promote data standardization and labeling;to establish a systematic risk management concept;to optimization suggestions for accelerating the team building and training of compound talents.It is expected to improve the credit risk management ability of Bank Z under the digital background,promote its high-quality development,and provide a reference solution for the same problems faced by small and medium-sized commercial banks similar to their overall situation.