目前在做硕士毕业论文的开题，本身对risk management比较感兴趣，所以自己选择了几个大的方向想做一下比较分析，目前选择的方向有：
Machine learning & risk management
Enterprise risk management and resilience
Use of big data &econometric analysis in risk management
对于这三个的选题，统一的破题困境在于，风险管理当下的研究偏向于理论性研究，大家都喜欢研究幸存者，从而导致了实证研究的缺失。除了第三个方向看到论坛大大 @jeanfan 关于贷款违约（For defaulted bank loans, the resolution take time.
Banks need  to model this time to resolution, or rather the probability of resolution, in function of the age since default, the client & loan type (large corporate, sme, mortgage, consumer, etc.), the economic situation, the legal & fiscal regime of the country, etc.
This is currently a new and active research field, and there's very few papers in the litterature, though the academic methods are readily available, such as Survival Analysis.
Please contact me if interested.）的一些破题论述有了一些思路外，其余还是一头雾水，还请大家帮忙看下能否解决如下问题：
上述方向的细化命题及大体的研究思路；
在该细化命题方向的实证研究定量分析的可能性（数据获取方向）；
感谢大家！