Application of Data Analysis in Bank Mortgage Loan Risk Assessment

Abstract

Under the background of the continuous growth of bank mortgage loan business, how to accurately assess loan risk has gradually become a key issue in bank risk management. The traditional mortgage risk assessment method has shown its deficiency in efficiency and accuracy, and the application of data analysis technology has brought new possibilities to solve this problem. This paper discusses the application of data analysis technology in bank mortgage risk assessment, including the integration of machine learning algorithm, big data analysis, risk assessment model construction and data visualization, by analyzing data collection and pre-processing and common data analysis techniques.