Research on the Independence of Cooperation between Big Date Credit Agencies and Commercial Banks--The Perspective of Commercial Banks credit risk Control
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DOI: 10.23977/fmess2020.056
Corresponding Author
Wenjing Hu
ABSTRACT
Risk control is the core of the commercial bank credit business. In recent years, the rapid development of internet and financial technology has created basic conditions for big data credit agencies to help commercial banks fully tap customer information, strengthen dynamic risk control model management, and improve the effectiveness and scientificity of loan decision-making. More and more commercial banks and big data credit agencies cooperate in depth through data sharing, joint modeling and other ways, and adopt different charging methods to realize risk sharing. In particular, small and medium-sized commercial banks with weak technical strength have stronger risk control dependence on big data credit agencies. The independence of big data credit agencies determines their choice in customer diversion, profit sharing and other aspects, and also determines the effect of commercial banks credit risk control, which deserves attention and research.
KEYWORDS
Big data credit, risk contro, independence