基于大数据分析应用视角的商业银行零售业务转型升级研究

Research on Transformation and Upgrading of Commercial Bank Retail Business Based on the Perspective of Big Data Analysis Application

在中国经济进入新常态、市场监管趋严和移动互联网全面普及应用的新形势下,商业银行传统业务经营模式遭受严峻冲击和挑战,加强零售业务转型升级,挖掘更大的市场空间,促进银行业绩创收已经成为商业银行的战略共识。大数据分析对于本身拥有庞大数据信息的零售业务助益良多,如何充分发挥大数据分析在银行零售业务中的优势,助力商业银行零售业务转型升级更进一步值得高度关注和深入思考。

Under the new situation that China's economy has entered a new normal,market regulation has become stricter and mobile Internet has been widely used,the traditional business model of commercial banks has been severely impacted and challenged.The transformation and upgrading of retail business has been strengthened,and more market space has been explored.Banking revenue has become a strategic consensus for commercial banks.Big data analysis has a lot of benefits for the retail business that has huge data information.How to make full use of the advantages of big data analysis in the banking retail business,and help the commercial bank retail business transformation and upgrade further deserves high attention and deep thinking.