Research On The Development Of CCB's Mobile Banking Personal Loan Business

In recent years, the mobile internet and big data as the representative of modern information technology is innovating social service model, and impacting on the market Gradually and revolutionary. New technologies and new models are bringing great changes to the traditional individual Loans process and management. Commercial banks should build a bridge between traditional individual loans and Internet finance for Responding to the challenges of Internet finance. Mobile banking is becoming an important form of this reciprocal Bridge. Through mobile banking to achieve loan business, will realize no card operation of all individual business. Only question is expanding the application scenarios in the future. It can be said that commercial banks pay more and more attention to the combination of individual loans business and mobile banking.This paper research the development of individual loans in the CCB mobile banking based on the detailed data analysis and user experience. Then give advices, which are demonstrated and analyzed. Advices include: Compare with individual loans in rival mobile banking, and analyze the strengths and weakness of CCB; Analyze the existing large data points of the CCB, then give optimized advices to the model; Introduce the third part applications in the CCB mobile banking, then give some advice for mutual development between individual loans and third party apps; The improvement advice of Individual Loans business based on the optimization of mobile banking.