大数据在小微金融业务实践中的探索  

作　　者：丁振辉[1,2] 孙冉[1,2] 熊园[2] 

机构地区：[1]中国人民大学博士后科研流动站,北京100872 [2]中国工商银行城市金融研究所,北京100140

出　　处：《金融理论与实践》2016年第1期98-102,共5页Financial Theory and Practice

摘　　要：根据业务实践,归纳了大数据技术在小微金融业务中的八点突出应用,分别是关键指标的分析、关联关系的识别、小微企业的评级、真实流水的估计、融资需求的测算、贸易背景的审核、抵质押品的估值、经营异常的预警。小微金融业务中,尚无大数据应用的直接经验,还需要重点关注以下问题:结构化数据和非结构化数据、数据的质量失真和数据清洗、大数据和人工介入之间的关系、大数据应用成果的转化等问题。According to the practices, the paper summarized the big data technologies＇ eight outstanding applications in small micro-finance business. They are key indicators analysis, connection relation recognition, small micro-finance ratings, real cash flow estimation, financing needs measurement, business background checking, collateral valuation and abnormal operation early warning. There was lack of direct experience of big data applications in small micro-finance business. In small micro-finance business, we were no direct experience of big data applications. We should pay attention to those problems： structured data and unstructured data, data＇s quality distortion and cleaning, relationships of big data and artificial intervention, achievement transformation of big data application, etc.

关 键 词：金融业务 大数据 小微金融 关联关系 融资需求 

分 类 号：F832.29[经济管理—金融学]