Application and research of Big data analysis in commercial Banks

摘要

With the vigorous development of fintech, the market environment of the traditional financial industry has undergone great changes. The operation and management are becoming increasingly digital and intelligent, the marketing is becoming more scenariooriented and precise, and the service mode is becoming more personalized and customized. It is urgent to establish an innovative management and service mechanism that meets the needs of The Times. With the in-depth application of new information technologies such as big data, cloud computing, blockchain and artificial intelligence, big data has brought unprecedented opportunities for the development of the banking industry. How to effectively apply big data to the management and business innovation of commercial Banks is an important issue facing the whole banking industry. Therefore, commercial Banks should focus on the development pattern of the big data industry and conduct in-depth research and exploration on the application status and future scenarios of the big data industry in commercial Banks based on their own business realities. Swot analysis should be carried out on the advantages, disadvantages, opportunities and challenges of big data application in commercial Banks from the perspectives of policy orientation and market environment, and the optimization strategy of big data application in banking business in the future should be discussed in order to provide some references.