大数据技术在银行贷后管理中的应用分析

发布时间：2018-01-01 01:30

本文关键词：大数据技术在银行贷后管理中的应用分析　出处：《新疆大学》2017年硕士论文　论文类型：学位论文

【摘要】：商业银行的信贷业务规模随着经济的发展迅速扩张,信贷业务贷后风险管理问题逐步凸显,因此对商业银行的贷后管理提出了更高要求。大数据技术作为互联网时代的新兴数据分析技术,通过对大量贷后数据的分析评估可以提高商业银行贷后管理的水平。本文使用文献分析法,对大数据技术在银行贷后管理中的应用进行有益探讨。通过对互联网大数据技术的现状及价值、银行对当前贷后风险防控模式及存在的问题、银行业对大数据信息技术的当前应用及未来趋势等方面进行研究,论述了银行将大数据技术应用于贷后管理中的优势及应用大数据技术的措施,提出建立一个由金融机构、监管方、企业共同参与的一个统一的大数据贷后管理平台系统架构的设想。通过本文的研究分析,大数据技术在银行贷后管理中的应用有益于商业银行贷后管理水平的提高。
[Abstract]:Commercial bank credit business scale with the development of economy the rapid expansion of credit business loan risk management problems gradually highlight, therefore put forward higher requirements on commercial bank credit management. Big data technology as a new era of Internet data analysis technology, based on a large amount of credit analysis after data can improve the commercial bank loan the level of management. This paper used the literature analysis method, carries on the beneficial discussion on the application of big data technology in the post loan management. The status and value of the Internet and big data technology, the current credit risk control model and the existing problems of the banks, banks of data of information technology application and the future trends, discusses the measures will be advantage of big data technology used to post loan management and application of big data technology, proposed the establishment of a financial machine A unified big data post loan management platform system framework is constructed by regulators and enterprises. Through the research and analysis in this paper, the application of big data technology in bank loan management is beneficial to the improvement of commercial banks' post loan management level.

【学位授予单位】：新疆大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：TP311.13;F832.4

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