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首页> 外文期刊>Journal of Computational and Applied Mathematics >Analysis of the environmental trend of network finance and its influence on traditional commercial banks
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Analysis of the environmental trend of network finance and its influence on traditional commercial banks

机译：网络金融环境趋势分析及其对传统商业银行的影响

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摘要

In order to understand the environmental trend of network finance and the impact of network finance on traditional ommercial banks, after analyzing the transaction risks of network finance, this study learns from the advanced models of credit risk measurement and early warning at home and abroad and the latest artificial intelligence technology, combining them with China's national conditions, so as to establish a credit risk measurement system suitable for commercial banks. In this study, the research is carried out from the perspectives of theory and practice, technology and business, and the credit risk warning system, measurement model and implementation tools are comprehensively sorted out, then the basic theories and core ideas are studied. In accordance with the concept of big data mining, this study proposes a financial crisis early warning model based on artificial intelligence system. Based on the empirical analysis of the main causes of the rapid decline in the asset quality of China's joint-stock commercial banks, and based on the characteristics of big data mining in the information explosion era, it is pointed out that the artificial intelligence is a powerful tool to improve the ability of credit risk measurement. It can be confirmed that the development of network finance has brought different impacts on the business, business model, and business philosophy of banks. (C) 2020 Elsevier B.V. All rights reserved.
机译：为了了解网络金融的环境趋势和网络金融对传统商业银行的影响，在分析网络金融的交易风险之后，本研究从国内外信用风险测量和预警的先进模型中了解到最新的人工智能技术，将它们与中国的国情相结合，以建立适合商业银行的信用风险测量系统。在本研究中，从理论和实践，技术和商业的角度来看，进行了全面的学分风险警告系统，测量模型和实施工具的信用风险警告系统，研究了基本理论和核心思路。根据大数据挖掘的概念，本研究提出了一种基于人工智能系统的金融危机预警模型。基于中国股份商业银行资产质量快速下降的主要原因的实证分析，基于信息爆炸时代大数据挖掘的特点，指出人工智能是一个强大的工具，以提高信用风险测量能力。可以证实，网络金融的发展对银行的商业，商业模式和经营理念带来了不同的影响。 （c）2020 Elsevier B.v.保留所有权利。

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