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Bank Credit Structure Model Based on Big Data Financial Technology Innovation

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  • Zeyi Yu
  • Lianhui Li

Abstract

The credit business is the primary source of income for commercial banks, and the quality of credit business directly affects the operating efficiency and sustainable development of commercial banks. Constructing an evaluation model that can accurately measure the credit quality of commercial banks and then systematically analyze the distribution and evolution of credit quality is of great significance for judging the operating situation and pattern of credit assets of commercial banks in our country. This paper analyzes the credit asset quality of our country’s commercial banks from five aspects: credit asset scale, profitability, risk security, liquidity, and expansion capability, and uses computer extensive data analysis and structural equation model to analyze the 20 representative banks in our country. An empirical analysis is conducted in a commercial bank.

Suggested Citation

  • Zeyi Yu & Lianhui Li, 2022. "Bank Credit Structure Model Based on Big Data Financial Technology Innovation," Mathematical Problems in Engineering, Hindawi, vol. 2022, pages 1-6, July.
    • Handle: RePEc:hin:jnlmpe:7248523
    DOI: 10.1155/2022/7248523
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