商业银行应用大数据思维的可行性研究

A Feasibility Study on Commercial Banks' Application of Big Data Cogitation

随着大数据与物联网、互联网、社交网络的高速发展,金融业相关也得以快速发展。商业银行作为经济中最重要的金融机构,在经济调节、信用创造、支付中介、金融服务等方面居于中枢地位,面对大数据时代的高速变化,合理应用互联网时代背景下的大数据思维,进一步挖掘商业银行经营管理能力,提升经济效益,动用相应的对策应对大数据时代给商业银行带来的冲击和挑战。

In recent years, the rapid development of big data and Internet of Things, Internet and social network has led to the rapid development of financial industry. As the most important financial institution in the economy, commercial banks have played an important role in economic regulation, credit creation, payment intermediaries and financial serv- ices. Facing the high - speed changes in the era of big data, it is important to improve rational application of large - scale data thinking in the context of the Intemet era to further tap the commercial bank management capabilities and en- hance economic efficiency, cope with impact and challenges imposed by the big data era on commercial banks. As such, the article puts forward the corresponding countermeasures and applications.