大数据在商业银行风险管控中的应用

Application of Big Data in the Risk Control of Commercial Banks

随着计算机和网络技术的飞速发展,各商业银行大都将数据集中上收到总行一级的信息中心,银行数据信息处理均已进入了"大数据"时代。面对海量的客户基础信息、交易信息和衍生信息,如何统计、分析、挖掘和开发其中蕴藏的资源,并在日常经营、管理和决策中加以利用,是信息社会各商业银行必须认真思考的问题,也是其在竞争中取胜的关键。

With the rapid development of the computer and network technology, most commercial banks gather the information and sent them to the information center of the headquarter, which shows that the bank data information processing has entered the era of ＂big data＂. Facing the vast amount of base information, transaction information and derivative information, the question that all the commercial Bank need to seriously think about as well as the key to win the competition are how to do the statistics work, how to analyze, how to exploit the hidden resources, and how to use them in daily operation, management and decision-making.