本文關(guān)鍵詞： 金融業(yè)務(wù) 大數(shù)據(jù) 小微金融 關(guān)聯(lián)關(guān)系 融資需求　出處：《金融理論與實(shí)踐》2016年01期 　論文類(lèi)型：期刊論文

【摘要】：根據(jù)業(yè)務(wù)實(shí)踐,歸納了大數(shù)據(jù)技術(shù)在小微金融業(yè)務(wù)中的八點(diǎn)突出應(yīng)用,分別是關(guān)鍵指標(biāo)的分析、關(guān)聯(lián)關(guān)系的識(shí)別、小微企業(yè)的評(píng)級(jí)、真實(shí)流水的估計(jì)、融資需求的測(cè)算、貿(mào)易背景的審核、抵質(zhì)押品的估值、經(jīng)營(yíng)異常的預(yù)警。小微金融業(yè)務(wù)中,尚無(wú)大數(shù)據(jù)應(yīng)用的直接經(jīng)驗(yàn),還需要重點(diǎn)關(guān)注以下問(wèn)題:結(jié)構(gòu)化數(shù)據(jù)和非結(jié)構(gòu)化數(shù)據(jù)、數(shù)據(jù)的質(zhì)量失真和數(shù)據(jù)清洗、大數(shù)據(jù)和人工介入之間的關(guān)系、大數(shù)據(jù)應(yīng)用成果的轉(zhuǎn)化等問(wèn)題。
[Abstract]:According to the business practice, this paper summarizes the eight prominent applications of big data technology in the small and micro finance business, which are the analysis of key indicators, the identification of the correlation relationship, the rating of the small and micro enterprises, and the estimation of the real income. The measurement of financing demand, the examination of the trade background, the valuation of the pledge, the operation of abnormal warning. There is no direct experience of big data's application in the small and micro finance business. We also need to focus on the following problems: structured and unstructured data, data quality distortion and data cleaning, the relationship between big data and human intervention, and the transformation of big data application results.
【作者單位】： 中國(guó)人民大學(xué)博士后科研流動(dòng)站;中國(guó)工商銀行城市金融研究所;
【分類(lèi)號(hào)】：F832.2
【正文快照】： 一、文獻(xiàn)綜述信息不對(duì)稱一直是制約小微金融業(yè)務(wù)發(fā)展的瓶頸,特別是在三期疊加階段,已經(jīng)越來(lái)越成為影響小微金融業(yè)務(wù)發(fā)展和風(fēng)險(xiǎn)控制的重要因素。拉網(wǎng)式營(yíng)銷(xiāo)、人海戰(zhàn)術(shù)既不能解決銀企雙方的信息不對(duì)稱,也拉高了小微金融的業(yè)務(wù)成本。隨著大數(shù)據(jù)技術(shù)的發(fā)展,特別是結(jié)合商業(yè)銀行互聯(lián)

【相似文獻(xiàn)】

相關(guān)期刊論文 前10條

1 呂志強(qiáng);誰(shuí)來(lái)開(kāi)發(fā)電視金融業(yè)務(wù)[J];w攣胖蕓，

本文編號(hào)：1470824