Big Data Age: Owning data is worth it

In the era of large data, with the large data in the financial field of the application of the gradual deepening of financial enterprises have been involved in the Internet, is already very common things, in the face of the central bank to encourage financial innovation, the positive policies of the major banks have net, with the attitude of self change, and http://www.aliyun.com/ zixun/aggregation/17301.html "> Traditional Internet companies compete for potential customers in the Internet financial sector.

Walk in the forefront of the Bank of CCB good business, in order to attract businessmen to settle in, all exempted from the entry fee, management fees, profit sharing, marketing advertising fees, sales and other costs. In addition, CCB also provides face-to-face, online shop counseling services. These are great discounts for B-end customers. The special resource that CCB grasps is enterprise customer and small micro-loan customer, these enterprises have a large amount of data daily, although have not accumulated before, but a considerable part of it is willing to put itself and the financial service of the Bank in the electronic Commerce Channel to carry on the extension.

At the C end, CCB's card customers have yet to be activated. At present, CCB personal customer 200 million, net silver customer 100 million. Faced with so many client resources and business data, banks will be able to achieve data accumulation faster than other electric companies if they pull them offline. The importance of data, especially large data, is obvious to all.

Based on the demand analysis behind the data of electric quotient, it is the original intention behind the business platform that banks provide financial services and profit from them. In their own E-commerce platform, banks more easily grasp the real business transactions data, understand their credit status and financial needs, so that targeted to the merchant to push to meet the needs of financial products, in the provision of financial services in the process of achieving profitability.

Take small micro-enterprise loans as an example, the process is in the customer demand, the bank online collection of data after the grading rating, after the customer reached the corresponding standards, determine the loan amount. Banks can do more than trade data on good business. For example, the future of online trading customers can be rated in advance, based on the provision of a pre-credit, when the customer has this demand, can be quickly online to accept the approval to pay. Thus, relying on good and financial business, small micro-enterprises can be more convenient and faster access to loan approval.

Large data should act and indeed serve as a tool of aid in the process of financial institution net. Data is increasingly seen as an asset, and owning data means owning value. In the future, when financial institutions use the Internet to smooth transition, when the financial industry to solve the data mining and business transactions between the technical process issues, large data application scenarios will be further expanded.

D1net Comments:

In the age of large data, owning the data means owning the value, the financial enterprise is involved in the Internet process, the big data becomes the important tool, along with the financial industry smooth transformation, the big data application also will face the broader space, conversely, the big Data application scenario expands, will also promote the financial enterprise the transformation again.