Application Of Data Mining Technology In Consumer Finance Business Of Ping An Bank

Under the circumstances of slowing down economic growth and encouraging consumption to stimulate economic growth,consumption has become the main driving force of economic development in China.Consumer finance has shown an explosive growth trend in recent years.More and more market participants are involved.Banking industry no longer occupies the dominant position in consumer financial market.How to further enhance the user experience and deepen the scene has gradually become silver.The most important thing in the development of consumer finance business in the industry.Banks have a large amount of financial data.With the deep integration of big data,cloud computing,artificial intelligence and other technologies with financial business,banks continue to promote the transformation and upgrading of the banking industry to the direction of "finance + science and technology".In this process,data mining technology is the most widely used and developed.This paper takes the application status of data mining technology in Ping An Bank's consumer finance business as a breakthrough point,focusing on customer relationship management,risk control and service and product innovation.Finally,it analyses the problems existing in the specific application of data mining,and then puts forward the application optimization suggestions,and makes a research and summary of the full text.Finally,it puts forward the data mining technology in Ping An Bank's consumer finance business.The future development and prospects of ping An bank's consumer finance business application.Through research and analysis,the following conclusions are drawn: firstly,data mining technology greatly improves the core competitiveness of Ping An Bank's consumer finance business;secondly,data mining technology can better serve the bank's customer relationship management,risk prevention and control,product and service innovation processes,and help them make scientific decisions.In this paper,we find that the application of data mining technology in Ping An Bank's consumer finance business is still in its infancy,and there are still some shortcomings: data collection and processing are not standardized enough,"finance + science and technology" talent is insufficient,the growth speed and update speed of data storage capacity are far behind the growth rate of data,and then we put forward optimization suggestions from four aspects: first,to enhance the speed of data storage.Data collection and processing capabilities;Second,speed up the construction of "finance + science and technology" compound talent team;Third,speed up the promotion and pilot work of PaaS basic platform;Fourth,adopt diversified data mining methods to further optimize the application of data mining technology in Ping An Bank's consumer finance business,thereby helping Ping An Bank's consumer finance business develop rapidly.