Research on Credit Resources Management of China's Commercial Banks Based on the Application of Big Data Credit Investigation

摘要

How to improve the optimal allocation of credit resources has always been the focus of financial research. Compared with the traditional credit reference methods, big data credit reference with big data and intelligent characteristics has absolute advantages in information collection, information processing and credit decision-making. Therefore, commercial banks should pay attention to the use of big data credit technology to improve customer data acquisition and application ability, optimize credit resource allocation institutions, and improve the efficiency of credit resource allocation.