大数据助力商业银行业务创新之探析  

The Exploration of Big Date Improve the Innovation of Commercial Banking

作　　者：邱格磊[1] 巫锡旭 Qiu Gelei;Wu Xixu(Fujian Jiangxia University,Fuzhou 350108,China)

机构地区：[1]福建江夏学院金融学院,福建福州350108

出　　处：《福建金融管理干部学院学报》2019年第1期3-10,共8页Journal of Fujian Institute of Financial Administrators

摘　　要：数据,正在生产过程中扮演着越来越重要的角色,并且在全球任意行业与业务领域发挥越来越重要的作用。而金融行业的大数据应用潜力是巨大的,商业银行又是金融行业的重点,应用大数据技术势在必行。大数据在银行业主要应用在客户信息收集、精准营销、风险管控、运营优化、智能投顾五个方面。在全球银行业都在利用大数据进行优化升级的趋势下,我国商业银行在大数据应用方面还存在数据可信度低、用户信息安全得不到相应的保障等问题,影响着商业银行大数据应用的发展。商业银行只有通过进一步开发大数据技术、开拓数据获取渠道、以及加强数据安全管理,才能更好的应用大数据增强银行竞争力,促进银行业健康发展。The data has penetrated into every industry and business area and becomes an important production factor. The potential for big data applications in the financial industry is enormous. As the key sector of financial industry, and the application of big data technology in commercial banking is imperative. Big data is mainly applied in terms of customer information collection, precision marketing, risk management and control, operation optimization, and intelligent investment adviser. Although the global banking industry tended to use big data to upgrading, there are still many questions in using it in our commercial bank, Such as low data reliability and lack of corresponding protection of user information security which affects the development big data application of commercial banks.Only by further developing big data technology, expanding data access channels and strengthening data security management can commercial Banks better apply big data to enhance their competitiveness and promote healthy development of the banking industry.

关 键 词：大数据 商业银行 业务创新 

分 类 号：F832.2[经济管理—金融学]