摘要
本文从当前商业银行个人贷款风控存在的问题出发,分析了大数据等金融科技的兴起对个人贷款风险管理的冲击和影响,并立足商业银行战略决策和发展需要,提出个贷风控的转型之路——大数据风控。通过对比传统个贷风控模式,提出大数据风控的比较优势和实现路径,并结合中国银行浙江省分行个贷大数据智能风控系统的开发实践,对商业银行业如何开发大数据风控系统进行了探讨和展望。
This paper start analyzing from the problems of traditional personal loan risk control in commercial banks,to the impact of the rise of big data and other financial technologies on personal loan risk management,and based on the strategic decision-making and development needs of commercial banks,puts forward the transformation road of personal loan risk control,that is big data risk control.Through the comparison with the traditional personal loan risk control mode,this paper puts forward the comparative advantages and implementation path of big data risk control.Combined with the development practice of big data intelligent risk control system for personal loan of Zhejiang branch of Bank of China,this paper discusses and prospects how to develop big data risk control system in commercial banks.
出处
《浙江金融》
2020年第12期19-28,共10页
Zhejiang Finance
关键词
个人贷款
风险管理
大数据技术
Personal Loan
Risk Management
Big Data Technology
