【正文】 e a huge amount of data in normal life, work. Big data (Big Data Problem) was born in this era, has bee a hot topic in all walks of life. The banking industry as a centralized data management industry, under the background of big data to data mining, analysis, processing and utilization is one of the important topics in the development of banking industry. The banking business in our country at present there are three major problems. First, the current bank product management system, there is a homogenization of the situation。 Banking business。 development stra t e g y目 錄 摘 要 ............................................................... 1 1 緒論 ............................................................. 6 研究背景與研究意義 ...................................................................................... 6 研究背景 ............................................................................................... 6 研究意義 ............................................................................................... 6 論文研究課題的思路、方法與內(nèi)容 .............................................................. 7 研究思路 ............................................................................................... 7 研究方法 ............................................................................................... 7 研究內(nèi)容 ............................................................................................... 7 2 大數(shù)據(jù)研究綜述 ................................................................................................... 8 大數(shù)據(jù) .............................................................................................................. 8 大數(shù)據(jù)的概念 ....................................................................................... 8 大數(shù)據(jù)的特點(diǎn) ....................................................................................... 8 相關(guān)理論與技術(shù) ................................................................................... 8 國內(nèi)外研究現(xiàn)狀 .............................................................................................. 9 國外研究現(xiàn)狀 ....................................................................................... 9 國內(nèi)研究現(xiàn)狀 ..................................................................................... 10 大數(shù)據(jù)分析在銀行業(yè)務(wù)中的應(yīng)用現(xiàn)狀 ........................................................ 10 大數(shù)據(jù)時(shí)代商業(yè)銀行面臨的問題與挑戰(zhàn) .................................................... 11 問題 ..................................................................................................... 11 挑戰(zhàn) ..................................................................................................... 13 小結(jié) ................................................................................................................ 14 3 大數(shù)據(jù)在銀行業(yè)務(wù)中的應(yīng)用 .......................................................................... 14 促進(jìn)金融服務(wù)與社交網(wǎng)絡(luò)的融合 ................................................................ 14 加強(qiáng)數(shù)據(jù)收集與分析 ......................................................................... 14 實(shí)現(xiàn)與社交網(wǎng)絡(luò) 的融合 ..................................................................... 15 布局與大數(shù)據(jù)金融的競爭和合作 ................................................................ 15 培養(yǎng)面對大數(shù)據(jù)時(shí)代的核心能力 ................................................................ 16 數(shù)據(jù)整合的能力 ................................................................................. 16 數(shù)據(jù)分析的能力 ................................................................................. 16 行動(dòng)實(shí)施的能力 ................................................................................. 17 零售銀行應(yīng)用大數(shù)據(jù)的三個(gè)方向 ................................................................ 17 關(guān)注“集群”屬性推進(jìn)“區(qū)域化”營銷 ......................................... 17 整合運(yùn)營信息跟蹤客戶“健康度” ................................................. 18 應(yīng)用內(nèi)部數(shù)據(jù)做好“承諾”管控 ..................................................... 20 4 大數(shù)據(jù)分析對我國商業(yè)銀行影響的實(shí)例分析 ......................................... 21 光大銀行大數(shù)據(jù)分析應(yīng)用 ........................................................................... 21 大數(shù)據(jù)對光大銀行的影響 ............................................................................ 23 結(jié)語 .............................................................................................................................. 23 參考文獻(xiàn) ................................................................................................................... 23 致謝 ............................................................................................................................ 23 1 緒論 研究背景 在網(wǎng)絡(luò)技術(shù)、信息技術(shù)快速發(fā)展過程中，社會(huì)主體行為產(chǎn)生了大量的信息數(shù)據(jù)，這些數(shù)據(jù)來源于不同的經(jīng)濟(jì)單元體，將這些單元體進(jìn)行加工、挖掘、分析建立符合自身利益需求的關(guān)聯(lián)信息，有助于作出正確的判斷。同時(shí)，由眾多銀行所構(gòu)建的大數(shù)據(jù)集中處理和管理體系，對銀行的經(jīng)營管理、風(fēng)險(xiǎn)管理和客戶需求管理等提供了具有實(shí)際價(jià)值的基礎(chǔ)數(shù)據(jù)。同時(shí)，銀行間原有同質(zhì)化問題也會(huì)隨著數(shù)據(jù)挖掘方向的不同而建立起符合自身發(fā)展需要的金融系統(tǒng)，開發(fā)出不同類型的金融產(chǎn)