| Since the beginning of the 21 st century,with the rapid development of Internet and information technology,and the advent of the big data and cloud computing era,which make the information acquisition and judgment is more accurate and efficient.Therefore a guest cost shows a trend of obvious diminishing marginal cost,and the online financing model has been widely used,which has been becoming a great potential market.With the development of Internet technology and the advent of big data age,have brought new opportunities,but at the same time,there are also risks and challenges unavoidably.Research on the online refinancing and product in domestic market has been paying more attention to in recent years.The word ‘big data'was mentioned limited in the IT industry at the very beginning,nowadays it is putting forward to blend in various fields,including commercial Banks.In 2014,Premier Li Keqiang mentioned,in the government working report,to promote the healthy development of Internet finance,and improve the financial regulatory coordination mechanism,which fully demonstrated the importance of the Internet financial mode.In this context,according to the personal experience,the author focus on the analysis of China's commercial banks in big data analysis,online financing and its risk control.First of all,expounded the meaning of the Internet financial,introduce large data related theory,the domestic commercial Banks how to use data analysis to carry out online finance business.According to the above analysis,the author introduces X city business cases and its existing problems of online financing,which is based on practice.Implementation of the big data strategy will be improved by following these two aspects: First,data processing capacity;Second,risk control capabilities.This article intends to analyze the financing mode of large commercial banks in China,and discuss how to improve the level of application of big data in small and medium-sized commercial banks. |
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