大数据在银行金融业务风控管理中的应用

Application of big data in risk control management of bank's financial business

随着金融市场的不断发展,风控管理的重要性越发凸显。通过应用大数据技术,银行能够更加准确、全面地对金融业务进行风控管理。文章将介绍大数据技术在银行风控管理工作中的应用,揭示其在提高风控效率、降低操作成本等方面发挥的重要作用;形成可复用的经验供其他金融机构借鉴,从而提高其风控管理的精准度和实效性,进而实现风险与资产质量的有效控制,为金融机构数字化、信息化转型升级提供助力。

With the continuous development of the financial market,the importance of wind control management is becoming more and more prominent.Through the application of big data technology,banks can manage the financial business more accurately and comprehensively.This article will introduce the application of big data technology in bank risk control management,and reveal its important role in improving the efficiency of risk control and reducing operating costs.At the same time,the formation of reusable experience for other financial institutions to learn from,so as to improve the accuracy and effectiveness of their wind control management,and then achieve effective control of risk and asset quality,to provide assistance for the transformation and upgrading of digitalization and informatization.