Exploration and Innovation of Commercial Bank Risk Management from the Perspective of Big Data

Yue Fang

School of Finance, Anhui University of Finance and Economics, Bengbu, 233000, China

Abstract: Under the impact of the informatization wave, the rapid development of the Internet has had a huge impact on the entire society and has also brought profound changes to the financial market. With the current transformation of economic growth and the acceleration of the structural adjustment process, China has entered a new normal of new and old kinetic energy conversion. In the increasingly severe new situation, the original risk management technology can no longer achieve the expected results. It can be seen that the application of big data technology is necessary and innovative, which can bring better development for commercial banks. From the perspective of big data, this article explores and optimizes the risk management of traditional commercial banks by optimizing and innovating the feasibility of the application of big data technology, and puts forward relevant suggestions.

Keywords: Big data; Commercial bank; Risk management; Innovation