Mobile Big Data Financial Product Innovation Research

Under the current requirements of the country's strategic public infrastructure,Jiangsu Mobile has actively carried out speed-up and fee-reduction work,and the corresponding broadband and traffic revenues have continued to decline.As the operator with the widest coverage in the domestic business,it has won the credibility that mobile has unmatched by other operators.Many public management organizations are willing to entrust mobile to operate data projects.Mobile's experience in information security,software technology and system design in the field of data project operations management has made it a leader in the industry and has become the most suitable market partner for national data project construction.In the current crisis market competition,operators have eliminated the thinking inertia and institutional obstacles that are not suitable for market competition through ?de-communication?.Actively intervening in the big data field is the transformation direction of operators,and the research on big data financial products is therefore Has an important meaning.This paper starts with the research results of big data and big data of operators from domestic and foreign scholars,and studies the innovative use of mobile financial big data.Firstly,it analyzes the concept and characteristics of big data,the related concepts and characteristics of big data finance,and the analysis of big data products of foreign operators.Secondly,the research on the framework design of Jiangsu Mobile's big data business was carried out,and the expansion models of big data in the public security law industry,transportation industry,medical industry,tourism industry,trade and trade industry and financial industry market were analyzed and introduced.Then,the four innovative modes of Jiangsu Mobile Financial Big Data products were analyzed one by one and accompanied by case introductions.Based on the specific practice of using a big data product by a certain institution,the operation report was analyzed and the SWOT model was adopted.The tool provides a comprehensive analysis of the market development advantages,disadvantages,opportunities and challenges of Jiangsu Mobile Financial Data Products.Finally,in the research of Jiangsu Mobile big data financial product innovation model,the conclusions are given: First,we must fully control the data to realize the realization of the financial industry data model;second,effectively interpret the data to achieve flexible and effective cross-border cooperation.The mobile user share reaches 72%,the data scale is large and the full-scale real-name system plays an important role in customer information verification,credit scoring,intelligent site selection,etc.,using big data to deeply interpret changes in customer demand in the financial industry,personalized customization Financial product solutions,to achieve accurate expansion of financial products and business,improve marketing efficiency,effectively reduce bank marketing costs and business credit risks,provide effective support for bank iterative optimization of marketing models,and also realize the realization of big data value.From the perspective of mobile employees,this paper interprets the effective attempts of the largest operators in Jiangsu Province in the big economic financial products and shows the effect of product use in the form of case analysis.Due to some limitations of internal data,this paper is studying There are still inevitable shortcomings,but the analysis has reached the predetermined goal.