对大数据信息技术推动银行业风控创新的可行性研究

发布时间：2018-03-02 19:43

本文选题：大数据　切入点：企业融资　出处：《浙江大学》2017年硕士论文　论文类型：学位论文

【摘要】：当前,中国的银行业面临着不良贷款高发的严峻形势,经济发达的沿海地区成为重灾区,并慢慢蔓延到了中西部地区,部分地区的一些银行甚至出现了两位数的不良率、损失率。大部分的不良资产是企业融资,中小企业的不良资产占了较大比重,近期有向大企业、大金额扩散的趋向,这是一个非常危险的信号。银行作为一类具有较大社会责任属性的企业机构,不良的高发不单对银行自身的盈利造成影响,也同时会对银行对社会责任的履行造成影响。一直以来,众多学术机构、学者均探讨发表过一些关于如何提高银行对企业资产业务的风险管控能力等相关方面的见解,在目前情况下,这又重新成为了一个重要的研究方向。同时银行自身也在研究尝试多种措施来化解企业融资风险高发的问题,其中提升大数据技术的运用来增强对企业融资的风险管控能力可能会是一个有效的解决方案。原有的信息数据应用仅限于银行内部系统,云端信息共享、大数据集成分析将可能成为银行防范企业融资风险的一个重要发展方向。本文通过从大数据技术的现状及未来发展、银行对企业融资的当前风控模式、银行对大数据技术的当前应用及未来趋势等方面进行研究,论述了构建一个统一平台、数据库中心来管控企业融资风险的可行性及优势,尝试构建了该新系统的框架及运行模式(主要为银行对企业融资的风险控制),并提出了新系统分段建设的设想。
[Abstract]:At present, China's banking industry is facing a severe situation of high non-performing loans. The economically developed coastal areas have become a major disaster area and have gradually spread to the central and western regions. Some banks in some regions have even experienced double-digit bad rates. The loss rate. Most of the non-performing assets are enterprise financing. The non-performing assets of small and medium-sized enterprises account for a large proportion. Recently, there has been a tendency to spread to large enterprises and large amounts of money. This is a very dangerous signal. Banks, as a kind of enterprise with greater social responsibility, have a negative impact not only on their own profits, but also on their own profits. It will also have an impact on the social responsibility of banks. For a long time, many academic institutions and scholars have discussed and published some opinions on how to improve the banks' ability to control risks in business assets. Under the present circumstances, this has become an important research direction again. At the same time, banks themselves are also studying and trying various measures to resolve the problem of high risk of enterprise financing. Among them, enhancing the use of big data technology to enhance the ability of risk management and control over enterprise financing may be an effective solution. The original application of information data is limited to banks' internal systems and cloud information sharing. Big data integration analysis will probably become an important development direction for banks to guard against the risk of enterprise financing. Through the status quo and future development of big data technology, the current risk control mode of bank to enterprise financing, The bank studies the current application and future trend of big data technology, and discusses the feasibility and advantages of constructing a unified platform and database center to control the financing risks of enterprises. This paper attempts to construct the framework and operation mode of the new system (mainly the risk control of the bank to the enterprise financing, and puts forward the assumption of the new system construction.
【学位授予单位】：浙江大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.3;TP311.13

【引证文献】