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Research On The Integration Of Business And Finance Of A Commercial Bank Under The Background Of Big Data

Posted on:2019-06-17Degree:MasterType:Thesis
Country:ChinaCandidate:K ShiFull Text:PDF
GTID:2439330548478178Subject:Accounting
Abstract/Summary:PDF Full Text Request
Along with the progress of global economic integration and the rapid development of information technology and its widespread application,human society is undergoing incredible changes,and the development of big data in recent years has been on the rise.It also brings a new and more serious challenge to commercial banks--strong market competition.And increasingly rich customer personalization requirements,but also a long history of risk control,industry competition,and other issues.From this point of view,the old financial and business management model of China's commercial banks can no longer adapt to the development of the market.Then they have to make changes,carry out transformation and upgrading,and have once again occupied the active position in Financial Markets.Commercial banks in China should break away from the traditional management idea,make use of the Western advanced reengineering process thought and the idea of the integration of business wealth,and integrate the big data technology to realize the transformation and development of commercial banks,so as not to be in a passive position in the market development.This article takes A commercial bank as the case study object.First,from the analysis of its current situation of financial integration,it combs out its overall plan of financial integration under the background of big data,and briefly introduces the initial implementation results of financial integration.Initial show the advantages of integrating big data into the industry's financial integration.Then,through the organizational structure changes,business process reengineering and precise financial information three aspects to comb out the overall plan of financial integration,and to the implementation of financial integration of a simple description of the results.Secondly,it also predicts the risks that may arise after the convergence of the industry and gives corresponding control measures.Through this study,it is found that the integration of big data provides an efficient platform for the integration of business and wealth and lays a good foundation.It can better enhance the timeliness and accuracy of accounting information,and the introduction of big data can be achieved through the accurate description of customers.In order to achieve deeper customer mining and personalized product promotion.In the risk control link,the development of wealth integration and the application of large data technology can improve the passive situation of risk control in commercial banks in the past,and greatly reduce the operational risk of commercial banks.On the cost side,a substantial reduction in total costs can also be achieved through the continuous implementation of financial integration.Finally,the research in this paper makes up for the gap in the research of commercial banking financial integration in China under the background of big data.At the same time,the display of the results of the implementation of financial integration also further illustrates the huge potential and value of research in this field.And the study of this paper can provide reference for similar enterprises to carry out financial integration,but also can provide a certain foundation for the future in-depth research in this field.
Keywords/Search Tags:The Industry financial integration of Bank, Business Process Reengineering, Big Data, Risk Control
PDF Full Text Request
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