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Financial big data application

2019-11-06 来源: 51Due教员组 类别: 更多范文

下面为大家整理一篇优秀的assignment代写范文- Financial big data application,供大家参考学习,这篇论文讨论了金融大数据应用。大数据时代下的金融业的发展核心在于数据,客户在互联网技术的应用下形成大规模数据,通过实现对这些数据的收集整理、挖掘开发在很大程度上有助于提升金融业的市场竞争力。大数据科学技术作为金融业发展的重要技术支撑,其应用的效率与质量直接影响金融业的持续发展。当前大数据在金融业中的精确营销、信用评估、资产定价等方面的广泛应用。同时随着金融业信息化程度的不断加深,大数据在金融领域的应用范围不断拓宽。

Financial big data,金融大数据应用,assignment代写,paper代写,北美作业代写

With the in-depth development of Internet information technology, the arrival of the era of big data is changing the development situation of all fields of our society. Under the current development tide of comprehensively deepening reform, to realize the rapid development of the financial industry, it is bound to further enhance the informatization level of the financial industry. As an important support for the healthy development of the financial industry, the application of big data technology in precision marketing, credit evaluation, asset pricing and other aspects of the financial industry promotes the informatization development of the financial industry, but it also has certain risks.

With the development of information society, big data has become an important factor of social production and competitiveness, and has gradually penetrated into all fields of social development. As an important field of China's social and economic development, the financial industry plays an important role in expanding channels, popularizing services and precision marketing. Therefore, it is of great practical significance to strengthen the research on the risk of financial big data application and its supervision.

The core of the development of the financial industry in the era of big data lies in data. Customers form large-scale data under the application of Internet technology, and the collection, sorting, mining and development of these data can help improve the market competitiveness of the financial industry to a large extent. As an important technical support for the development of the financial industry, the application efficiency and quality of big data science and technology directly affect the sustainable development of the financial industry. At present, big data is widely used in accurate marketing, credit evaluation and asset pricing in the financial industry. At the same time, with the deepening of the informatization of the financial industry, the application scope of big data in the financial field is expanding.

Compared with traditional financial marketing, the application of big data in the financial industry changes the traditional marketing model. Through accurate classification and detailed management of financial users, relevant staff can further understand the real needs of customers for financial products and facilitate the formulation of accurate marketing plans and strategies. The application of big data in the financial industry brings changes to the credit assessment of traditional financial customers, and pays more attention to the analysis and mining of customers' dynamic information. For individual users in the financial industry, in addition to the static information of their registration and real-name system, track analysis is also carried out for users' online shopping payment, investment and life information. On this basis, the credit score model and algorithm are established to provide targeted services for customers. In addition, as an important part of financial development, financial product pricing is bound to be studied and applied with relevant mathematical models. The application of big data technology can effectively help financial pricing personnel to establish scientific data models on the premise of accurate prediction of market situation, so as to develop personalized financial products and services.

The application of big data in the financial field not only promotes its innovation but also brings some risks. At present, with the in-depth development of big data technology, its data processing has basically formed an industrial chain including collection, cleaning, sorting, correlation analysis and data mining. Under such circumstances, a phenomenon such as the monopoly of fintech or the disappearance of big data will seriously affect the sustainable development and innovation and reform of the financial industry. In view of the strong dependence of the development of big data financial industry on science and technology, once a few financial industries master advanced science and technology and data information, it is bound to monopolize the data resources of the industry. At the same time, the public sharing of big data and the integration of information data under the development of information technology are not satisfactory, and even a lot of noise information and false information will flood the phenomenon.

The application of big data in the financial industry brings risks to the security protection of data resources and user information in this field. The emergence of the era of big data is largely due to the development of Internet science and technology, which leads to the phenomenon of insufficient supervision of data in the process of application and communication, resulting in loss of user information and infringement of customers' legitimate rights and interests. At the same time, against the background of big data development, there are multiple transactions and inconsistent collection standards in financial industry data, which make users' right to know, choice and privacy violated, further obscure relevant data protection wiring, and seriously affect the security level and development quality of user data information. Under such circumstances, it is imperative and urgent to strengthen the construction of financial user data property rights, data security and data disclosure.

By establishing and improving the legal system related to user information protection, the data safety quality and development level of big data application in the financial industry will be further improved. In this regard, the relevant part of the national government should, on the basis of the existing legal system construction, combine the current big data development characteristics and current development situation, perfect the legal system according to the possible risks and problems, and further expand the implementation scope of the existing laws. At the same time, the existing financial regulatory institutions with various forms, especially those related to big data, should further clarify their scope of authority and institutional rights, so as to ensure that they can effectively protect the security of information and data of financial customers in the process of implementing regulatory powers. In addition, for institutions in the financial industry that violate relevant regulations, it is necessary to further increase their costs of breaking laws and regulations and promote their standardized and legal development.

With the increasing number of financial institutions in the era of big data, it is necessary to further play the role of industry self-discipline and accelerate the construction of information sharing system in the financial field. Within the financial industry, relevant management standards and implementation mechanisms can be formulated in respect of big data information collection, relevant use standards, and deep mining of big data, etc. Through such self-discipline within the industry, the standardized development of the financial field can be promoted. At the same time, in the era of big data, in order to give full play to its technical advantages, it is necessary to share data information, break down data resource barriers, and actively promote the transformation and upgrading of internal institutions in the industry. In order to better realize the sharing of data resources, relevant departments need to conduct hierarchical management of the existing data, develop and use more data information as a public product, and develop a reasonable mechanism system to ensure the smooth sharing.

To sum up, in view of the risks of big data in the financial industry, it is necessary to further improve the relevant institutional mechanism and system construction, provide institutional guarantee for the healthy and sustainable development of the financial big data field, and better promote the optimization and transformation of the financial industry.

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