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| 大数据背景下商业银行个人信贷风险管理策略研究——以工商银行为例 摘 要 随着我国经济快速发展，人们的消费能力也有所上升。人们开始把手里的资金进行合理的投资和规划，商业银行的个人信贷产品也就开始逐渐发展，开始逐渐成为银行的重点项目之一。本文主要从个人信贷业务的概念等情况进行分析，以工商银行为例，研究出个人信贷业务的运营模式存在的一些问题，并提出一些解决的建议，来让工商银行个人信贷业务发展的更加快速，增强自身的竞争力，为我国银行的个人信贷业务提供理论的建议和参考。通过本文的研究，在促进工商银行更快发展的同时，也对银行的其他网点的个人信贷业务的发展起到促进的作用。 关键词：大数据；工商银行；个人信贷风险 Abstract With the rapid development of China's economy, people's consumption capacity has also increased. People began to invest and plan the funds in their hands reasonably, and the personal credit products of commercial banks began to develop gradually, and began to become one of the key projects of banks. This paper mainly analyzes the concept of personal credit business, takes ICBC as an example, studies some problems existing in the operation mode of personal credit business, and puts forward some suggestions to solve it. To make ICBC's personal credit business develop faster, enhance its competitiveness, and provide theoretical advice and reference for our bank's personal credit business. Through the research of this paper, it can promote the development of ICBC's personal credit business at the same time. Keywords: big data; ICBC; personal credit risk |
