ABSTRACT
With the development and application of big data technology, the process of the traditional financial industry to the intelligent age has been further accelerated. As computer information technology continues to participate in social activities, many industries have increasingly strong demands for big data technology. For example, in the financial industry, big data technology can play a very helpful role in the transformation of traditional financial services and the innovation of business models. As an important area of financial business, the bank network credit business has a huge impact on the development of the entire financial industry. Many people know that the risk of bank online credit business is very high and it is particularly easy to cause non-performing assets. At this time, using big data technology and applying it to the risk management system can greatly improve the risk management ability of credit business. This chapter analyzes the current status of bank A’s credit risk and the problems in the credit risk management system, finds out the problems and causes of bank A’s credit risk management system, and applies big data technology to the bank’s online credit risk prevention system, internal evaluation, and identification system; network credit risk mitigation system has been improved and designed, a bank network credit risk management system based on big data technology has been created, bank A’s total deposit and loan changes and non-performing network loans have been analyzed in recent years, and corresponding conclusions have been drawn.
