發(fā)布時(shí)間：2018-03-02 19:43

  本文選題：大數(shù)據(jù)　切入點(diǎn)：企業(yè)融資　出處：《浙江大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：當(dāng)前,中國的銀行業(yè)面臨著不良貸款高發(fā)的嚴(yán)峻形勢,經(jīng)濟(jì)發(fā)達(dá)的沿海地區(qū)成為重災(zāi)區(qū),并慢慢蔓延到了中西部地區(qū),部分地區(qū)的一些銀行甚至出現(xiàn)了兩位數(shù)的不良率、損失率。大部分的不良資產(chǎn)是企業(yè)融資,中小企業(yè)的不良資產(chǎn)占了較大比重,近期有向大企業(yè)、大金額擴(kuò)散的趨向,這是一個非常危險(xiǎn)的信號。銀行作為一類具有較大社會責(zé)任屬性的企業(yè)機(jī)構(gòu),不良的高發(fā)不單對銀行自身的盈利造成影響,也同時(shí)會對銀行對社會責(zé)任的履行造成影響。一直以來,眾多學(xué)術(shù)機(jī)構(gòu)、學(xué)者均探討發(fā)表過一些關(guān)于如何提高銀行對企業(yè)資產(chǎn)業(yè)務(wù)的風(fēng)險(xiǎn)管控能力等相關(guān)方面的見解,在目前情況下,這又重新成為了一個重要的研究方向。同時(shí)銀行自身也在研究嘗試多種措施來化解企業(yè)融資風(fēng)險(xiǎn)高發(fā)的問題,其中提升大數(shù)據(jù)技術(shù)的運(yùn)用來增強(qiáng)對企業(yè)融資的風(fēng)險(xiǎn)管控能力可能會是一個有效的解決方案。原有的信息數(shù)據(jù)應(yīng)用僅限于銀行內(nèi)部系統(tǒng),云端信息共享、大數(shù)據(jù)集成分析將可能成為銀行防范企業(yè)融資風(fēng)險(xiǎn)的一個重要發(fā)展方向。本文通過從大數(shù)據(jù)技術(shù)的現(xiàn)狀及未來發(fā)展、銀行對企業(yè)融資的當(dāng)前風(fēng)控模式、銀行對大數(shù)據(jù)技術(shù)的當(dāng)前應(yīng)用及未來趨勢等方面進(jìn)行研究,論述了構(gòu)建一個統(tǒng)一平臺、數(shù)據(jù)庫中心來管控企業(yè)融資風(fēng)險(xiǎn)的可行性及優(yōu)勢,嘗試構(gòu)建了該新系統(tǒng)的框架及運(yùn)行模式(主要為銀行對企業(yè)融資的風(fēng)險(xiǎn)控制),并提出了新系統(tǒng)分段建設(shè)的設(shè)想。
[Abstract]:At present, China's banking industry is facing a severe situation of high non-performing loans. The economically developed coastal areas have become a major disaster area and have gradually spread to the central and western regions. Some banks in some regions have even experienced double-digit bad rates. The loss rate. Most of the non-performing assets are enterprise financing. The non-performing assets of small and medium-sized enterprises account for a large proportion. Recently, there has been a tendency to spread to large enterprises and large amounts of money. This is a very dangerous signal. Banks, as a kind of enterprise with greater social responsibility, have a negative impact not only on their own profits, but also on their own profits. It will also have an impact on the social responsibility of banks. For a long time, many academic institutions and scholars have discussed and published some opinions on how to improve the banks' ability to control risks in business assets. Under the present circumstances, this has become an important research direction again. At the same time, banks themselves are also studying and trying various measures to resolve the problem of high risk of enterprise financing. Among them, enhancing the use of big data technology to enhance the ability of risk management and control over enterprise financing may be an effective solution. The original application of information data is limited to banks' internal systems and cloud information sharing. Big data integration analysis will probably become an important development direction for banks to guard against the risk of enterprise financing. Through the status quo and future development of big data technology, the current risk control mode of bank to enterprise financing, The bank studies the current application and future trend of big data technology, and discusses the feasibility and advantages of constructing a unified platform and database center to control the financing risks of enterprises. This paper attempts to construct the framework and operation mode of the new system (mainly the risk control of the bank to the enterprise financing, and puts forward the assumption of the new system construction.
【學(xué)位授予單位】：浙江大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.3;TP311.13

【引證文獻(xiàn)】

相關(guān)期刊論文 前1條

1 于靜;;淺析銀行保函業(yè)務(wù)信用風(fēng)險(xiǎn)的有效防范[J];科技經(jīng)濟(jì)導(dǎo)刊;2017年13期

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本文編號：1557933