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China's commercial bank credit business research on challenges and development countermeasures in the age of big data

机译:中国商业银行信贷业务研究大数据时代的挑战和发展对策

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The development of modem science and technology takes "the improvement of computing capacity and data mining application and transmission" as its essence, which continuously promotes the development of commercial Banks, and the credit business subconsciously needs to change in the intelligent technical background. Big data technology can build a new credit system perspective for bank credit business, explore the potential value and specific financial status of customers, analyze the potential capacity of customers, reduce the service cost of Banks and reduce the loss of customers. This paper analyzes the current situation of China's commercial Banks' credit business, conducts a SWOT analysis of China's commercial Banks' credit business, analyzes the positive impact of the era of big data on the development of China's commercial Banks' credit business, and puts forward countermeasures for the development of China's commercial Banks' credit business in combination with big data technology.
机译:调制解调器科学和技术的发展是“改善计算能力和数据挖掘应用和传输”的本质,不断促进商业银行的发展,潜意识地需要改变智能技术背景。大数据技术可以为银行信贷业务建立一个新的信用体系视角,探讨客户的潜在价值和具体的财务状况,分析客户的潜在能力,降低银行的服务成本,减少客户的损失。本文分析了中国商业银行信贷业务的现状,对中国商业银行信贷业务进行了一次助攻分析,分析了大数据发展时代的积极影响,对中国商业银行信贷业务的发展,并提出与大数据技术相结合的中国商业银行信贷业务的对策。

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