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1、摘要关键词O2O模式金融大数据移动互联网金融微信银行社区银行III万方数据AbstractAbstractAtpresent,economicrestructuring,financialdisintermediationandinterestratesfurtherpromotemarket-orientedreformprocessinthecontextofthepast,domesticcommercialbankshavebeenthetraditionaldevelopmentmodelisnotsustainable,anurgentneedtoflow,andacti
2、velyexplorenewbusinessareas,thedevelopmentofnewbusinessmode.Meanwhile,theInternethascometheFinancialTimes,bytheimpactofemergingmobilecommunicationtechnologies,financialservicesmodelofcommercialbanksisgraduallyexemplifyingopenness,equality,sharing,competingfeatures.Domesticcommercialbanksisanimp
3、ortantreasonforpositivetransformationfromthepressureatthisstageInternetcompanies,especiallyInternet-basedfinancialbackground,theflagshipoftheremainingtreasureAlibaba,Tencentmicro-channel5.0portablepushingpaymentfunctions,aswellasJingdongMall"micro-banks"ontheline,therehasbeenaformalrequestofthe
4、"Suningbanks"arealldirectlyfacingthetraditionalcommercialbanksdominatedthefinancialbusinesswar.TheInternetcompanieshavecorecompetenciesbutalsofromitscloudcomputing,bigdatahighlighttheabilitytousetechnology,whichisdifficulttoreplicatethefinancialinstitution.Itisnoteworthythatforlargedatacollecti
5、on,processingandrespondingtothethreecoreareas,theShanghaiPudongDevelopmentBank,likeotherdomesticcommercialbanksinthetraditionaldatacollectionsourcesandInternetenterprisedatacollectionsourcesessentialdifferencebetweenauthenticity,transparencyandavailability.Domesticcommercialbankstraditionalsour
6、ceofdatacollectionaremostlydependentonthecustomertosubmitcustomerdatamanager,andtheexistingsystemofcommercialbanksaccountmanageraccountmanageroftenhasledtocreatealargenumberofthemodifieddatareport,inordertodiscriminatetheauthenticityofthesedatareports,domesticcommercialbanks'internalresourcesan
7、dconsumelargeamountsofcomplexstructurestringentcreditapprovalsystem.TheInternetenterprisedatadirectlyfromthecustomeritself,dataauthenticity,transparencyandusability,etc.aremuchbetterthantraditionalfinancialcompanies,whichdirectlyl
