摘要
随着计算机技术和移动互联网技术的快速发展,大数据近年来备受关注,围绕大数据的理论探讨与实践应用更是不计其数。对于拥有海量数据的商业银行而言,大数据技术可以促进科技与业务的融合,提升整个银行的效率、服务和管理价值,目前已经普遍应用于客户营销、产品创新、风险管控、资产定价等场景。展望未来,随着大数据技术的更新迭代,将逐步推动商业银行流程再造、管理变革和模式转换,其应用场景将覆盖经营管理的各个领域。
With the rapid development of computer technology and mobile internet technology,big data has attracted more and more attention in recent years.There are countless theoretical discussions and practical applications around big data.For commercial banks with massive data,big data technology can promote the integration of technology and business,and improve the efficiency,service and management value of the whole bank.At present,it has been widely used in customer marketing,product innovation,risk control,asset pricing and other scenarios.Looking forward to the future,with the update and iteration of big data technology,it will gradually promote the process reengineering,management reform and mode transformation of commercial banks,and its application scenarios will cover all fields of business management.
出处
《科技广场》
2019年第4期46-51,共6页
Science Mosaic
关键词
大数据技术
商业银行
应用场景
展望
Big Data Technology
Commercial Bank
Application Scenarios
Prospect
