一、背景介绍近年来随着我国经济步入新常态发展阶段经济增速持续下降加上利率市场化推进、互联网金融快速发展及疫情等因素叠加银行业内外部经营环境日趋复杂银行业信用风险也日益凸显。一方面不良贷款率持续上升；另一方面信用风险呈现范围扩大行业分布集中、区域分布集中的趋势未来趋势仍然堪忧。 然而由于数据量庞大、数据来源复杂等因素风险部门监测和分析数据的效率较低难以及时发现风险点和制定应对措施。为了提高风险管理

摘要：近年来，银行业面临复杂的经营环境和信用风险问题，需要提高风险管理的效率和准确性。为此，我们提出了建立数字化风控系统的方案，通过数据可视化的方式展示和分析各项风险指标，提供决策支持和风险溯源。该系统已在分行试点并取得了一定成效。

关键字：数字化风控系统、数据可视化、风险管理、风险指标、风险溯源、决策支持

Abstract: In recent years, the banking industry has faced complex operating environment and credit risk issues, which require improving the efficiency and accuracy of risk management. To address this, we propose a plan to establish a digital risk control system that visualizes and analyzes various risk indicators, providing decision support and risk tracing. The system has been piloted in branches and has achieved certain results.

Keywords: digital risk control system, data visualization, risk management, risk indicators, risk tracing, decision suppor