大数据技术在商业银行中的运用探讨
发布时间：2018-08-07 21:22
【摘要】：以大数据为代表的新兴移动互联网技术正在影响着消费者和企业需求，通过间接和直接影响着两种方式对金融业产生巨大冲击。在新兴技术影响下，金融业未来的产业格局在重构，包括商业银行在内的金融机构将不仅面临产业内的竞争者，也面临着跨界的潜在竞争者。金融业面临众多前所未有的跨界竞争对手，市场格局、业务流程将发生巨大改变，企业更替兴衰。大数据的概念是如何兴起的，大数据技术对金融业、对商业银行将产生什么样的影响、商业银行又是如何应对大数据之道，是本文将要探讨的主题。本文以大数据和商业银行的结合为切入点，重点探讨大数据给商业银行支付和信贷业务带来的革新。由于大数据概念方兴未艾，之前系统性介绍大数据对金融业影响的参考文献并不多，本文的创新点在于先高屋建瓴地介绍大数据对金融业以及细分的商业银行业的影响和改变，然后对其产生的创新金融模式进行具体的案例分析，最后分析并给出商业银行在崭新竞争环境下的策略建议。
[Abstract]:The emerging mobile Internet technology, represented by big data, is affecting the demand of consumers and enterprises, and has a great impact on the financial industry through indirect and direct impact. Under the influence of new technology, the future industry pattern of financial industry is reconstructing. Financial institutions, including commercial banks, will face not only competitors in the industry, but also potential competitors across the border. The financial industry faces many unprecedented cross-border competitors, the market pattern, the business process will change greatly, the enterprise replacement will rise and fall. How to rise the concept of big data, how the big data technology will affect the financial industry, what kind of influence on the commercial banks, and how the commercial banks deal with the big data, is the topic to be discussed in this paper. Based on the combination of big data and commercial banks, this paper focuses on the innovation brought by big data to the payment and credit business of commercial banks. As the concept of big data is in the ascendant, there are few references to systematically introduce the impact of big data on the financial industry. The innovation of this paper is to introduce the influence and change of big data on the financial industry and the subdivided commercial banking industry. Then the paper makes a case study of the innovative financial model, and finally analyzes and gives the strategic suggestions of commercial banks in the new competitive environment.
【学位授予单位】：苏州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：TP311.13;F832.33
本文编号：2171387
[Abstract]:The emerging mobile Internet technology, represented by big data, is affecting the demand of consumers and enterprises, and has a great impact on the financial industry through indirect and direct impact. Under the influence of new technology, the future industry pattern of financial industry is reconstructing. Financial institutions, including commercial banks, will face not only competitors in the industry, but also potential competitors across the border. The financial industry faces many unprecedented cross-border competitors, the market pattern, the business process will change greatly, the enterprise replacement will rise and fall. How to rise the concept of big data, how the big data technology will affect the financial industry, what kind of influence on the commercial banks, and how the commercial banks deal with the big data, is the topic to be discussed in this paper. Based on the combination of big data and commercial banks, this paper focuses on the innovation brought by big data to the payment and credit business of commercial banks. As the concept of big data is in the ascendant, there are few references to systematically introduce the impact of big data on the financial industry. The innovation of this paper is to introduce the influence and change of big data on the financial industry and the subdivided commercial banking industry. Then the paper makes a case study of the innovative financial model, and finally analyzes and gives the strategic suggestions of commercial banks in the new competitive environment.
【学位授予单位】：苏州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：TP311.13;F832.33
【参考文献】
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