大数据在银行信用风险管理中的应用

The Application of Big Data to Bank Credit Risk Management

随着数据的爆炸式增长和信息技术的发展,银行内外部聚集了大量的结构化和非结构化数据信息,为大数据技术在风险管理中的应用奠定了基础。具体介绍大数据技术在个人消费贷款信用风险预警和信用卡客户引入中的应用,分析认为,以先进信息技术架构为前提,以大数据分析和挖掘为基础,建设新型信用风险管理体系是商业银行增强核心竞争力和推动经营转型的必由之路。

With the explosive growth in data and the rapid development in information technology, banks have inter- nally and externally gathered a large number of structured and unstructured data, which lays a foundation for the ap- plication of big data technology in risk management. An introduction is made to the application of big data technolo- gy in early risk warning against loans for personal consumer credit and in the credit card customer introduced. The analysis held that, with the advanced information technology architecture as the premise and based on big data anal- ysis and mining, it＇ s the inevitable route for enhancing the core competitiveness of commercial banks and promoting business transformation to construct new credit risk management system.