基于银行业务的大数据应用探究.doc

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”( Big Data Problem)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 Abstract The rapid development of?network?in the Internet,?cloud computing and? big data?objects,?into peoples vision.?At the same time,?due to?the?popularity of?Internet,?to?the maturity of database technology,?a variety of high performance?storage?devices,?people have a?huge amount of data?in normal life,?work.?Big?data?(Big?Data?Problem)?was born in this?era,?has become a hot topic?in all walks of life. The banking industry as a?centralized data management?industry,?under the background of big data?to?data mining,?analysis,?processing and utilization?is one of the important topics in the development of banking industry.?The banking business?in our country at present?there are three major problems.?First,?the current bank?product?management system,?there is a homogenization of?the situation;?secondly,?to carry out the?banking intermediary business?is not mature,?it is difficult to?make good use of?information technology,?network technology,capital and credit?and other aspects of the advantages?of?non?interest income business.?Third,risk,?effective?risk prevention?and control?in?the screening?of the risk. Therefore,?this paper based on the analysis of?large data?bank?based business?application?as the research subject,?through introducing the?concept of big data,?characteristics,classification and related?theory and technology?research,?the current data?analysis application?in the banking business,?aiming at the above-mentioned problems,?proposed the use of?big data analys