大数据背景下国有商业银行的竞争态势分析

Analysis of the Competitive Situation of State Commercial Banks in the Background of Big Data

在互联网科技飞速发展的今天,大数据作为最前端的技术,因其数据的大量性、时效性、数据来源多样性和数据价值,受到了金融行业的高度重视。越来越多的金融机构利用大数据的特点进行业务模式的改革升级与创新,不少中小银行从中迅速崛起,打破了国有五大商业银行的绝对垄断地位,国有商业银行所面临的行业竞争愈发激烈。基于此,现首先分析了国有商业银行发展现状,并对大数据背景下国有商业银行竞争态势比较,其中包括国有商业银行与股份制银行比较;互联网金融机构与国有商业银行比较。

With the rapid development of Internet technology,big data, as the most advanced technology, has received greatattention from the financial industry because of its largeamount of data, timeliness, diversity of data sources and datavalue. More and more financial institutions use the features ofbig data to carry out the reform, upgrading and innovation ofbusiness models. Many small and medium-sized banks rapidlyrise from them and break the absolute monopoly status of thefive state-owned commercial banks. The industry competitionfaced by state-owned commercial banks has become more andmore serious fierce. Based on this, this paper first analyzes thebackground of big data and big data to the specific impact ofthe development of state-owned commercial banks; secondly,combing the current research, found that there is little research on the competitive landscape of state-owned commercial banks in the background of big data; thirdly, Although thenet assets of foreign-owned commercial banks have been increasing year by year, the quality of their capital tends to begood, but their management concepts are lagging behind andtheir lack of innovative awareness faces the threat of otherjoint -stock banks and Internet financial institutions. Finally,under the background of big data, the joint - comparison ofcompetitive situation of Internet financial institutions.