大数据时代商业银行小微金融客户续贷预测研究

发布时间：2018-03-13 07:16

  本文选题：商业银行　切入点：小微金融　出处：《浙江社会科学》2017年06期 　论文类型：期刊论文

【摘要】：以商业银行小微金融续贷业务研究为选题,探索大数据时代商业银行小微金融业务客户续贷行为规律,对商业银行小微金融续贷业务的开展进行指导,从而有效提高小微贷款投放规模和确保贷款余额增长稳定可控。选取国内某商业银行小微金融贷款客户数据,基于大数据技术进行建模,对续贷客户进行分类预测。结果显示,相比使用传统分析方法进行的预测,在确保几乎同样的实际续贷客户查准率前提下,基于大数据技术的预测方法极大提高了实际续贷客户的查全率。基于大数据技术的续贷客户预测为小微金融续贷业务客户“名单制营销”提供了较为有效的业务开拓依据,为实现“量体裁衣”式的小微金融服务和银行资金精细化管理奠定了坚实基础。
[Abstract]:Based on the research of commercial bank's small and micro finance continuing business, this paper probes into the law of customer's credit renewal of commercial bank's small and micro financial business in big data's time, and guides the development of commercial bank's small and micro finance's continuing loan business. In order to effectively improve the scale of small and micro loans and ensure the growth of loan balance stable and controllable. Select a domestic commercial bank small and micro financial loan customer data, based on big data technology to model the classification of continued loan customers, the results show that, Compared with the prediction using traditional analytical methods, while ensuring almost the same actual credit renewal rate, The forecasting method based on big data technology has greatly improved the recall rate of the actual customers. The forecast of the customers based on big data technology provides a more effective basis for the "list system marketing" for the customers of the small and micro-finance loan renewal business. It has laid a solid foundation for the realization of micro-and micro-financial services and fine management of bank funds.
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