基于银行业务的大数据分析应用

基于银行业务的大数据分析应用摘要在互联网、云计算和物联网的高速发展下，大数据走入了人们的视野。同时，由于Internet的火速普及、数据库技术的成熟、各种高性能的存储设备出现，人们在平时生活、工作中产生了庞大的数据量。“大数据问题”(BigDataProblem)在这样的时代下产生了，成为各界的热点话题。银行业作为数据集中管理型行业，在大数据背景下如何进行数据挖掘、分析、加工和利用是银行业发展的重要课题之一。我国银行业务目前主要有三大问题。第一，目前银行产品、经营管理系统存在着同质化的情况；其次，银行中间业务开展尚不成熟，难以利用好信息技术、网络技术、资金和信用等方面的优势进行非利息收入业务。第三，在有效甄别风险、防范风险和控制风险方面的问题。因此，本文以基于银行业务的大数据分析应用为研究课题，通过介绍大数据的概念、特点、分类及相关理论与技术，研究目前大数据分析在银行业务中的应用现状，针对以上所提出的问题，提出利用大数据分析进行银行业务活动，在商业模式上进行创新，让大数据分析应用为银行的业务带来效益。【关键词】大数据；银行业务；商业模式；发展战略AbstractTherapiddevelopmentofnetworkintheInternet,cloudcomputingandbigdataobjects,intopeople'svision.Atthesametime,duetothepopularityofInternet,tothematurityofdatabasetechnology,avarietyofhighperformancestoragedevices,peoplehaveahugeamountofdatainnormallife,work.Bigdata(BigDataProblem)wasborninthisera,hasbecomeahottopicinallwalksoflife.Thebankingindustryasacentralizeddatamanagementindustry,underthebackgroundofbigdatatodatamining,analysis,processingandutilizationisoneoftheimportanttopicsinthedevelopmentofbankingindustry.Thebankingbusinessinourcountryatpresenttherearethreemajorproblems.First,thecurrentbankproductmanagementsystem,thereisahomogenizationofthesituation;secondly,tocarryoutthebankingintermediarybusinessisnotmature,itisdifficulttomakegooduseofinformationtechnology,networktechnology,capitalandcreditandotheraspectsoftheadvantagesofnoninterestincomebusiness.Third,risk,effectiveriskpreventionandcontrolinthescreeningoftherisk.Therefore,thispaperbasedontheanalysisoflargedatabankbasedbusinessapplicationastheresearchsubject,throughintroducingtheconceptofbigdata,characteristics,classificationandrelatedtheoryandtechnologyresearch,thecurrentdataanalysisapplicationinthebankingbusiness,aimingattheabove-mentionedproblems,proposedtheuseofbigdataanalysisofbankingactivities,innovationinthebusinessmodel,makebigdataanalysisapplicationforbankingbusinessbenefits.[Keywords]Bigdata;Bankingbusiness;businessmodel;developmentstrategy目录摘要...............................................................11绪论.............................................................61.1研究背景与研究意义......................................................................................61.1.1研究背景...............................................................................................61.1.2研究意义...............................................................................................61.2论文研究课题的思路、方法与内容..............................................................71.2.1研究思路...............................................................................................71.2.2研究方法...............................................................................................71.2.3研究内容...............................................................................................72大数据研究综述...................................................................................................82.1大数据..............................................................................................................82.1.1大数据的概念.......................................................................................82.1.2大数据的特点.......................................................................................82.1.3相关理论与技术...................................................................................82.2国内外研究现状..............................................................................................92.2.1国外研究现状.......................................................................................92.2.2国内研究现状.....................................................................................102.3大数据分析在银行业务中的应用现状........................................................102.4大数据时代商业银行面临的问题与挑战....................................................112.4.1问题.....................................................................................................112.4.2挑战.....................................................................................................132.5小结................................................................................................................143大数据在银行业务中的应用..........................................................................143.1促进金融服务与社交网络的融合................................................................143.1.1加强数据收集与分析.........................................................................143.1.2实现与社交网络的融合.....................................................................153.2布局与大数据金融的竞争和合作................................................................153.3培养面对大数据时代的核心能力................................................................163.3.1数据整合的能力.................................................................................163.3.2数据分析的能力.................................................................................163.3.3行动实施的能力.................................................................................173.4零售银行应用大数据的三个方向................................................................173.4.1关注“集群”属性推进“区域化”营销.............................