大数据技术已开始迈入中国金融行业,并在近年内以迅猛的发展态势进入了金融各个领域,其给金融风险控制带来的革新与发展显得尤为重要。鉴于此,本文针对传统风险控制领域的现状与不足,提出了一套“大数据+风控”的解决方案,在了解其技术业务流程的基础上,结合具体落地案例分析其应用优势,并探索大数据风控的实现路径,提出了实现“大数据+风控”的战略步骤,以长远的眼光来看待大数据技术为风控领域带来的创新,为大数据在风控领域的革新与发展找到一个具体的应用方向。
Big data technology has begun to enter China's financial industry,and in recent years with rapid development trend into all areas of finance,it influenced a lot on financial risk control to reform and develop.In view of this,for the present situation and the insufficiency of the traditional risk control field,this paper put forward a “big data+risk control” solution,on the basis of understanding its technical business process,combined with specific landing case,it analyzed its application advantages.With exploring the implementation of big data storm control path,it found out the difficulties and took measures to solve them.Finally,it put forward the strategic steps to realize “big data+risk management”.Looking at the big data technology brings innovation to the field of risk control in the long term,it found a specific application direction for the big data used in the field of risk control innovation and development.
| Keywords: | Big DataDevelopmentRisk ControlFinance |