大数据时代下银行信用风险管控研究

随着互联网的发展,移动支付,社交网络和搜索引擎对人力资源模型产生了巨大的影响。本文重点研究大数据时代金融工具的信用风险。本文根据金融风险管控的相关资料,初步建立当前时代下的信用风险测评指标体系以及金融工具流动性指测评体系,采用模糊综合评价方法,建立了一套评价因子,并用问卷调查法对各信用风险评价指标进行评分。得出总的信用风险评价。本文收集了7个金融工具的流动性指标数据,进行加权求平均值,计算出各个金融工具的流动性评级。

Research on Bank Credit Risk Control in the Era of Big Data

With the development of Internet,mobile payment,social network and search engine have a great influence on human resource model.This paper focuses on the credit risk of financial instruments in the era of big data.Based on the relevant information of financial risk management and control,this paper preliminarily establishes the credit risk evaluation index system and the financial instrument liquidity evaluation system in the current era,adopts the fuzzy comprehensive evaluation method,establishes a set of evaluation factors,and scores each credit risk evaluation index with the questionnaire survey method.The overall credit risk assessment is obtained.In this paper,liquidity index data of seven financial instruments are collected,weighted and averaged,and the liquidity rating of each financial instrument is calculated.