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随着国际金融业的不断发展与完善,我国以大数据技术为依托的若干大数据产品在金融领域逐渐崭露头角,开拓出了广阔的运用空间。商业银行基于大数据的应用,在信贷风险管理方面的能力越来越成为银行生死存亡的核心竞争力。本文在基于大数据的应用基础上,分析了银行信贷风险控制存在的问题及其影响,提出相关的优化策略。
With the continuous development and improvement of the international financial industry, some big data products based on big data technology in our country gradually emerge in the financial field and open up a vast space for application. Commercial banks based on big data applications, the ability of credit risk management more and more become the bank’s core competitiveness of survival. Based on the application of big data, this paper analyzes the problems existing in bank credit risk control and their impact, and puts forward the related optimization strategies.