Evaluation Of Banking Business Innovation Activity Based On Python

Financial innovation is the eternal theme of the development of commercial banks,there is no development without innovation.With the advent of the new era,computer and Internet technologies have become increasingly sophisticated,and big data processing capabilities have increased dramatically.It will be of great significance to study financial innovation by combining these two technologies.This topic was put forward based on this idea,aiming to make a small step forward in the study of financial innovation.First of all,through reading a large number of domestic and foreign documents,this article analyzes the characteristics of financial innovation,summarizes its theoretical basis,and gives my own definition of it.Secondly,according to the characteristics and contents of bank business innovation,this paper establishes a scientific comprehensive evaluation method,and studies the degree of bank business innovation activity from three aspects of the bank's corporate finance business,retail financial business and financial market business.Furthermore,the most prominent feature of this paper is the application of computer technology to the innovation of banking,including web crawler technology,Chinese text analysis technology,and data processing technology.These technologies are all implemented using the Python programming language,which makes this subject scientific,efficient,and cutting-edge.Finally,through the collection,collation and calculation of data,this paper obtains the degree of business innovation activity of major listed commercial banks in China from 2010 to 2016.In general terms,ICBC,China Construction Bank,Bank of China,and Agricultural Bank of China have traditionally been the four major banks.They have been more prominent in the performance of their active business innovations,and have taken the top spot for many times.Banks such as Bank of Beijing,China Merchants Bank,Minsheng Bank and China CITIC Bank,although less than four major banks,have performed very well in business innovation.Bank of Communications and Shanghai Bank showed a clear upward trend The Ping An Bank,Industrial Bank,Hua Xia Bank and China Everbright Bank are at the middle reaches level.In contrast,the five bank operations of Bank of Nanjing,Bank of Ningbo,Bank of Hangzhou,Bank of Jiangsu,and Bank of Wuxi have insufficient innovation abilities.At the end of the article,the rationality of the research results and evaluation system was analyzed.