導語：商業(ye)銀(yin)行信貸業(ye)務風險管理創新對策一文(wen)來源于網友(you)上傳，不代表(biao)本站觀點，若需要原(yuan)創文(wen)章可咨(zi)詢(xun)客服老師，歡迎參考。

摘要：信貸行業在商業銀行金融市場中扮演著重要角色，但在交易過程中，商業銀行應了解宏觀市場變化對還款風險的影響，并進一步分析還款風險。由于大數據的快速發展，一方面可以嚴格控制用戶信息，另一方面也可以降低信貸風險，在此基礎上，本文提出大數據背景下商業銀行信貸業務與風險管理(li)的創(chuang)新(xin)措施，希望對相關專業人士有所幫助。

關鍵詞：大數據；商業銀行；信貸業務(wu)；風險管理；創新

大(da)數(shu)(shu)據(ju)是互(hu)聯網時代的新(xin)產品(pin)，有(you)(you)助(zhu)于現代社會數(shu)(shu)據(ju)文明的發展，商(shang)業銀行(xing)開(kai)發大(da)數(shu)(shu)據(ju)資(zi)源，使用戶貸(dai)(dai)款分析(xi)更(geng)(geng)加準確(que)，風(feng)險(xian)管(guan)理力(li)度進(jin)一步提升(sheng)。信(xin)貸(dai)(dai)活(huo)動(dong)(dong)是商(shang)業銀行(xing)的重(zhong)要(yao)組成部分，與傳統的抵(di)押貸(dai)(dai)款、房地(di)產貸(dai)(dai)款和(he)(he)農業貸(dai)(dai)款相比，信(xin)貸(dai)(dai)活(huo)動(dong)(dong)具有(you)(you)高績效和(he)(he)高風(feng)險(xian)的特(te)點(dian)，現有(you)(you)商(shang)業銀行(xing)控制信(xin)貸(dai)(dai)風(feng)險(xian)的能(neng)力(li)有(you)(you)待提高，根據(ju)大(da)量數(shu)(shu)據(ju)，要(yao)想更(geng)(geng)好(hao)地(di)分析(xi)基(ji)本信(xin)息和(he)(he)客戶退款信(xin)息，就需要(yao)制定(ding)滿足(zu)客戶需求的信(xin)貸(dai)(dai)產品(pin)[1]。

一、大數據商業銀行概述

通(tong)常情況下(xia)，大數據下(xia)商業(ye)銀行(xing)(xing)(xing)(xing)信貸(dai)(dai)(dai)(dai)(dai)業(ye)務(wu)風(feng)險(xian)(xian)管理(li)(li)是(shi)一(yi)個非常復雜(za)和(he)嚴密的(de)(de)(de)系統，主要包括貸(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)前對客戶進行(xing)(xing)(xing)(xing)控制(zhi)、檢查貸(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)過(guo)程中(zhong)客戶數據以及監測貸(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)人的(de)(de)(de)還款(kuan)(kuan)時(shi)間，這(zhe)涵蓋(gai)了(le)(le)商業(ye)銀行(xing)(xing)(xing)(xing)的(de)(de)(de)整個貸(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)活動(dong)。由于經(jing)濟發展(zhan)和(he)市(shi)場條(tiao)件(jian)的(de)(de)(de)變(bian)化，商業(ye)銀行(xing)(xing)(xing)(xing)的(de)(de)(de)信貸(dai)(dai)(dai)(dai)(dai)業(ye)務(wu)與(yu)風(feng)險(xian)(xian)管理(li)(li)理(li)(li)念正在發生變(bian)化，目前，商業(ye)銀行(xing)(xing)(xing)(xing)信貸(dai)(dai)(dai)(dai)(dai)業(ye)務(wu)與(yu)風(feng)險(xian)(xian)管理(li)(li)模式已經(jing)從傳統的(de)(de)(de)單純高息(xi)向(xiang)定性和(he)定量管理(li)(li)模式轉(zhuan)變(bian)，但與(yu)中(zhong)央銀行(xing)(xing)(xing)(xing)和(he)投資銀行(xing)(xing)(xing)(xing)不同，商業(ye)銀行(xing)(xing)(xing)(xing)是(shi)人們(men)(men)生活中(zhong)常見的(de)(de)(de)金融機構，人們(men)(men)可以通(tong)過(guo)商業(ye)銀行(xing)(xing)(xing)(xing)貸(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)購買房屋或投資項目，近年來，隨著(zhu)經(jing)濟發展(zhan)和(he)市(shi)場環(huan)境的(de)(de)(de)變(bian)化，部分商業(ye)銀行(xing)(xing)(xing)(xing)放棄了(le)(le)過(guo)去單一(yi)只靠高利率來獲取高收入的(de)(de)(de)管理(li)(li)方式，采(cai)用(yong)了(le)(le)定性和(he)定量的(de)(de)(de)科學(xue)管理(li)(li)方法，有效促進全球競爭力的(de)(de)(de)提(ti)高[2]。

二、商業銀行信貸業務中風險管理存在的問題

1.存(cun)(cun)(cun)在(zai)(zai)(zai)(zai)商(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)欺詐現(xian)象(xiang)(xiang)隨(sui)(sui)著社會(hui)(hui)和(he)經(jing)(jing)(jing)(jing)濟(ji)體(ti)系的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)發(fa)展(zhan)，人(ren)們可(ke)(ke)(ke)以(yi)利(li)(li)用(yong)(yong)(yong)(yong)(yong)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)改(gai)善(shan)(shan)生(sheng)活，幫助(zhu)企(qi)業(ye)(ye)(ye)(ye)運營(ying)，最(zui)大(da)(da)(da)限度(du)地發(fa)揮經(jing)(jing)(jing)(jing)濟(ji)發(fa)展(zhan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)效(xiao)益(yi)，由(you)于信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)程(cheng)(cheng)序簡單，不(bu)(bu)(bu)需要(yao)(yao)擔保(bao)，目前市(shi)場上對(dui)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)需求非(fei)常(chang)強(qiang)烈(lie)，人(ren)們準(zhun)備利(li)(li)用(yong)(yong)(yong)(yong)(yong)消費信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)來(lai)(lai)滿足他們的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)消費需求，且(qie)在(zai)(zai)(zai)(zai)企(qi)業(ye)(ye)(ye)(ye)經(jing)(jing)(jing)(jing)營(ying)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)方(fang)面(mian)，國(guo)家(jia)大(da)(da)(da)力支持小(xiao)微企(qi)業(ye)(ye)(ye)(ye)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)，因(yin)此，在(zai)(zai)(zai)(zai)消費和(he)經(jing)(jing)(jing)(jing)營(ying)方(fang)面(mian)，貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)已(yi)成為(wei)商(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)主(zhu)要(yao)(yao)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)活動。在(zai)(zai)(zai)(zai)我(wo)國(guo)，由(you)于商(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)業(ye)(ye)(ye)(ye)務(wu)(wu)起步(bu)較晚，在(zai)(zai)(zai)(zai)進(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)業(ye)(ye)(ye)(ye)務(wu)(wu)期(qi)(qi)(qi)(qi)間(jian)由(you)于一(yi)(yi)些(xie)(xie)(xie)(xie)制(zhi)(zhi)(zhi)(zhi)度(du)制(zhi)(zhi)(zhi)(zhi)定(ding)(ding)(ding)不(bu)(bu)(bu)完善(shan)(shan)，這(zhe)(zhe)就(jiu)需要(yao)(yao)將現(xian)有(you)(you)(you)制(zhi)(zhi)(zhi)(zhi)度(du)進(jin)一(yi)(yi)步(bu)提(ti)升(sheng)，但也正(zheng)是由(you)于現(xian)有(you)(you)(you)制(zhi)(zhi)(zhi)(zhi)度(du)存(cun)(cun)(cun)在(zai)(zai)(zai)(zai)不(bu)(bu)(bu)規范(fan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)情(qing)況(kuang)，就(jiu)會(hui)(hui)導(dao)(dao)(dao)致行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)與機構之間(jian)存(cun)(cun)(cun)在(zai)(zai)(zai)(zai)共享不(bu)(bu)(bu)及(ji)(ji)時(shi)(shi)(shi)(shi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)情(qing)況(kuang)，促使(shi)(shi)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)覆蓋率(lv)不(bu)(bu)(bu)高，導(dao)(dao)(dao)致有(you)(you)(you)些(xie)(xie)(xie)(xie)商(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)為(wei)無法(fa)(fa)及(ji)(ji)時(shi)(shi)(shi)(shi)在(zai)(zai)(zai)(zai)系統(tong)(tong)(tong)內更新(xin)(xin)(xin)，從而(er)(er)(er)存(cun)(cun)(cun)在(zai)(zai)(zai)(zai)欺詐行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)為(wei)出(chu)(chu)現(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)可(ke)(ke)(ke)能(neng)(neng)(neng)(neng)(neng)性(xing)。在(zai)(zai)(zai)(zai)大(da)(da)(da)數(shu)(shu)據(ju)(ju)時(shi)(shi)(shi)(shi)代下(xia)，從數(shu)(shu)據(ju)(ju)庫中識(shi)別有(you)(you)(you)效(xiao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)、有(you)(you)(you)用(yong)(yong)(yong)(yong)(yong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)模型是一(yi)(yi)個非(fei)常(chang)重(zhong)要(yao)(yao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)過(guo)(guo)(guo)程(cheng)(cheng)，對(dui)于數(shu)(shu)據(ju)(ju)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)及(ji)(ji)時(shi)(shi)(shi)(shi)獲取(qu)對(dui)于工(gong)(gong)作(zuo)(zuo)(zuo)(zuo)(zuo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)正(zheng)常(chang)開(kai)展(zhan)有(you)(you)(you)著重(zhong)要(yao)(yao)作(zuo)(zuo)(zuo)(zuo)(zuo)用(yong)(yong)(yong)(yong)(yong)，如果(guo)數(shu)(shu)據(ju)(ju)更新(xin)(xin)(xin)不(bu)(bu)(bu)及(ji)(ji)時(shi)(shi)(shi)(shi)就(jiu)可(ke)(ke)(ke)能(neng)(neng)(neng)(neng)(neng)導(dao)(dao)(dao)致數(shu)(shu)據(ju)(ju)更新(xin)(xin)(xin)頻率(lv)方(fang)面(mian)存(cun)(cun)(cun)在(zai)(zai)(zai)(zai)嚴重(zhong)問(wen)(wen)題(ti)。這(zhe)(zhe)就(jiu)導(dao)(dao)(dao)致在(zai)(zai)(zai)(zai)進(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)商(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)業(ye)(ye)(ye)(ye)務(wu)(wu)開(kai)展(zhan)期(qi)(qi)(qi)(qi)間(jian)，極易(yi)(yi)(yi)存(cun)(cun)(cun)在(zai)(zai)(zai)(zai)一(yi)(yi)些(xie)(xie)(xie)(xie)欺詐的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)情(qing)況(kuang)發(fa)生(sheng)，對(dui)商(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)業(ye)(ye)(ye)(ye)務(wu)(wu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)運行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)，以(yi)及(ji)(ji)中小(xiao)企(qi)業(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)方(fang)面(mian)存(cun)(cun)(cun)在(zai)(zai)(zai)(zai)一(yi)(yi)定(ding)(ding)(ding)問(wen)(wen)題(ti)。2.風(feng)(feng)(feng)(feng)控(kong)(kong)(kong)中的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)質(zhi)(zhi)量問(wen)(wen)題(ti)客(ke)戶(hu)(hu)(hu)存(cun)(cun)(cun)在(zai)(zai)(zai)(zai)到(dao)期(qi)(qi)(qi)(qi)還款(kuan)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)后，商(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)只(zhi)能(neng)(neng)(neng)(neng)(neng)通過(guo)(guo)(guo)起訴等(deng)方(fang)式收(shou)回欠款(kuan)，盡(jin)管(guan)(guan)(guan)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)市(shi)場保(bao)持了高增(zeng)(zeng)長，但未執行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)比(bi)率(lv)也在(zai)(zai)(zai)(zai)上升(sheng)。由(you)于信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)收(shou)集渠道有(you)(you)(you)限和(he)更新(xin)(xin)(xin)不(bu)(bu)(bu)及(ji)(ji)時(shi)(shi)(shi)(shi)導(dao)(dao)(dao)致的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)質(zhi)(zhi)量問(wen)(wen)題(ti)使(shi)(shi)銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)無法(fa)(fa)及(ji)(ji)時(shi)(shi)(shi)(shi)評估(gu)客(ke)戶(hu)(hu)(hu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)，導(dao)(dao)(dao)致獲得(de)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)超出(chu)(chu)其可(ke)(ke)(ke)獲得(de)性(xing)，從而(er)(er)(er)增(zeng)(zeng)加(jia)了貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)償(chang)還的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)。在(zai)(zai)(zai)(zai)發(fa)展(zhan)“普惠金融”的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)大(da)(da)(da)背景(jing)下(xia)，商(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)業(ye)(ye)(ye)(ye)務(wu)(wu)趨向弱(ruo)(ruo)擔保(bao)方(fang)式的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)小(xiao)額信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)業(ye)(ye)(ye)(ye)務(wu)(wu)方(fang)向發(fa)展(zhan)，信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)缺乏擔保(bao)，由(you)于信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)質(zhi)(zhi)量問(wen)(wen)題(ti)，商(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)無法(fa)(fa)有(you)(you)(you)效(xiao)掌(zhang)握客(ke)戶(hu)(hu)(hu)全面(mian)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)和(he)資產信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)，銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)沒有(you)(you)(you)清收(shou)不(bu)(bu)(bu)良貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)有(you)(you)(you)效(xiao)渠道，很難僅(jin)通過(guo)(guo)(guo)拍(pai)賣收(shou)回欠款(kuan)。隨(sui)(sui)著大(da)(da)(da)數(shu)(shu)據(ju)(ju)技術(shu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)發(fa)展(zhan)，商(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)可(ke)(ke)(ke)以(yi)利(li)(li)用(yong)(yong)(yong)(yong)(yong)其技術(shu)優(you)勢幫助(zhu)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)公(gong)(gong)司，然而(er)(er)(er)，一(yi)(yi)些(xie)(xie)(xie)(xie)商(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)不(bu)(bu)(bu)能(neng)(neng)(neng)(neng)(neng)有(you)(you)(you)效(xiao)地利(li)(li)用(yong)(yong)(yong)(yong)(yong)大(da)(da)(da)數(shu)(shu)據(ju)(ju)技術(shu)進(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)控(kong)(kong)(kong)制(zhi)(zhi)(zhi)(zhi)，而(er)(er)(er)僅(jin)僅(jin)將大(da)(da)(da)數(shu)(shu)據(ju)(ju)應(ying)用(yong)(yong)(yong)(yong)(yong)于客(ke)戶(hu)(hu)(hu)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)調(diao)查等(deng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)獲取(qu)，無法(fa)(fa)構成完善(shan)(shan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)數(shu)(shu)據(ju)(ju)庫，且(qie)商(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)對(dui)大(da)(da)(da)數(shu)(shu)據(ju)(ju)大(da)(da)(da)部分(fen)功能(neng)(neng)(neng)(neng)(neng)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)應(ying)用(yong)(yong)(yong)(yong)(yong)僅(jin)優(you)化了商(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)審批(pi)流程(cheng)(cheng)和(he)工(gong)(gong)作(zuo)(zuo)(zuo)(zuo)(zuo)流程(cheng)(cheng)，無法(fa)(fa)有(you)(you)(you)效(xiao)提(ti)高商(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)控(kong)(kong)(kong)制(zhi)(zhi)(zhi)(zhi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)質(zhi)(zhi)量。3.信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)安全問(wen)(wen)題(ti)商(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)業(ye)(ye)(ye)(ye)務(wu)(wu)創造(zao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)財富遠遠超過(guo)(guo)(guo)了想(xiang)象(xiang)(xiang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)價(jia)值，這(zhe)(zhe)可(ke)(ke)(ke)能(neng)(neng)(neng)(neng)(neng)會(hui)(hui)受到(dao)黑客(ke)攻擊的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)可(ke)(ke)(ke)能(neng)(neng)(neng)(neng)(neng)性(xing)，進(jin)而(er)(er)(er)導(dao)(dao)(dao)致數(shu)(shu)據(ju)(ju)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)被(bei)篡改(gai)或者(zhe)丟失(shi)，這(zhe)(zhe)樣不(bu)(bu)(bu)僅(jin)會(hui)(hui)影響商(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)調(diao)查工(gong)(gong)作(zuo)(zuo)(zuo)(zuo)(zuo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)順(shun)利(li)(li)開(kai)展(zhan)，也會(hui)(hui)嚴重(zhong)威脅客(ke)戶(hu)(hu)(hu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)隱私[3]。信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)安全風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)不(bu)(bu)(bu)斷(duan)凸顯，且(qie)在(zai)(zai)(zai)(zai)銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)管(guan)(guan)(guan)理(li)(li)中，銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)管(guan)(guan)(guan)理(li)(li)人(ren)員(yuan)自(zi)身能(neng)(neng)(neng)(neng)(neng)力素質(zhi)(zhi)存(cun)(cun)(cun)在(zai)(zai)(zai)(zai)一(yi)(yi)定(ding)(ding)(ding)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)不(bu)(bu)(bu)足之處，在(zai)(zai)(zai)(zai)工(gong)(gong)作(zuo)(zuo)(zuo)(zuo)(zuo)期(qi)(qi)(qi)(qi)間(jian)存(cun)(cun)(cun)在(zai)(zai)(zai)(zai)人(ren)員(yuan)操作(zuo)(zuo)(zuo)(zuo)(zuo)不(bu)(bu)(bu)熟練以(yi)及(ji)(ji)系統(tong)(tong)(tong)管(guan)(guan)(guan)理(li)(li)不(bu)(bu)(bu)善(shan)(shan)等(deng)問(wen)(wen)題(ti)，正(zheng)是在(zai)(zai)(zai)(zai)管(guan)(guan)(guan)理(li)(li)混亂的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)背景(jing)下(xia)，對(dui)于數(shu)(shu)據(ju)(ju)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)及(ji)(ji)時(shi)(shi)(shi)(shi)收(shou)集存(cun)(cun)(cun)在(zai)(zai)(zai)(zai)嚴重(zhong)問(wen)(wen)題(ti)，隨(sui)(sui)著設備和(he)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)復雜性(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)增(zeng)(zeng)加(jia)，系統(tong)(tong)(tong)兼容(rong)性(xing)問(wen)(wen)題(ti)變得(de)越(yue)(yue)來(lai)(lai)越(yue)(yue)重(zhong)要(yao)(yao)。現(xian)如今(jin)，在(zai)(zai)(zai)(zai)我(wo)國(guo)計(ji)算機技術(shu)飛速發(fa)展(zhan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)背景(jing)下(xia)，相關政策法(fa)(fa)規制(zhi)(zhi)(zhi)(zhi)定(ding)(ding)(ding)期(qi)(qi)(qi)(qi)間(jian)存(cun)(cun)(cun)在(zai)(zai)(zai)(zai)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)因(yin)素逐(zhu)漸體(ti)現(xian)出(chu)(chu)來(lai)(lai)，在(zai)(zai)(zai)(zai)商(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)進(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)工(gong)(gong)作(zuo)(zuo)(zuo)(zuo)(zuo)期(qi)(qi)(qi)(qi)間(jian)，如果(guo)缺乏系統(tong)(tong)(tong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)法(fa)(fa)律(lv)(lv)，將信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)為(wei)開(kai)展(zhan)規范(fan)化，就(jiu)會(hui)(hui)存(cun)(cun)(cun)在(zai)(zai)(zai)(zai)一(yi)(yi)定(ding)(ding)(ding)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)性(xing)，對(dui)于商(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)來(lai)(lai)說，即使(shi)(shi)某些(xie)(xie)(xie)(xie)客(ke)戶(hu)(hu)(hu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)在(zai)(zai)(zai)(zai)得(de)到(dao)客(ke)戶(hu)(hu)(hu)授權(quan)之后能(neng)(neng)(neng)(neng)(neng)夠讀取(qu)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)，但是在(zai)(zai)(zai)(zai)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)技術(shu)下(xia)，容(rong)易(yi)(yi)(yi)導(dao)(dao)(dao)致某些(xie)(xie)(xie)(xie)數(shu)(shu)據(ju)(ju)在(zai)(zai)(zai)(zai)沒有(you)(you)(you)任何法(fa)(fa)律(lv)(lv)或約(yue)束的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)情(qing)況(kuang)下(xia)披露。4.信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)孤島大(da)(da)(da)數(shu)(shu)據(ju)(ju)背景(jing)下(xia)商(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)業(ye)(ye)(ye)(ye)務(wu)(wu)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)管(guan)(guan)(guan)理(li)(li)與傳(chuan)統(tong)(tong)(tong)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)控(kong)(kong)(kong)制(zhi)(zhi)(zhi)(zhi)相比(bi)有(you)(you)(you)著一(yi)(yi)定(ding)(ding)(ding)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)差異性(xing)，傳(chuan)統(tong)(tong)(tong)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)控(kong)(kong)(kong)制(zhi)(zhi)(zhi)(zhi)工(gong)(gong)作(zuo)(zuo)(zuo)(zuo)(zuo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)開(kai)展(zhan)主(zhu)要(yao)(yao)是基于對(dui)用(yong)(yong)(yong)(yong)(yong)戶(hu)(hu)(hu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)具體(ti)評估(gu)，決定(ding)(ding)(ding)是否對(dui)用(yong)(yong)(yong)(yong)(yong)戶(hu)(hu)(hu)發(fa)放貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)，例如貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)人(ren)是否有(you)(you)(you)房子、汽(qi)車，每月收(shou)入是多少。然而(er)(er)(er)，數(shu)(shu)據(ju)(ju)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)控(kong)(kong)(kong)制(zhi)(zhi)(zhi)(zhi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)主(zhu)要(yao)(yao)應(ying)用(yong)(yong)(yong)(yong)(yong)是信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)弱(ruo)(ruo)特征，例如用(yong)(yong)(yong)(yong)(yong)戶(hu)(hu)(hu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)為(wei)特征和(he)習慣特征所顯示(shi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)，但目前現(xian)有(you)(you)(you)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)控(kong)(kong)(kong)制(zhi)(zhi)(zhi)(zhi)系統(tong)(tong)(tong)仍存(cun)(cun)(cun)在(zai)(zai)(zai)(zai)嚴重(zhong)不(bu)(bu)(bu)足。這(zhe)(zhe)種信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)孤島的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)出(chu)(chu)現(xian)會(hui)(hui)制(zhi)(zhi)(zhi)(zhi)約(yue)商(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)業(ye)(ye)(ye)(ye)務(wu)(wu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)順(shun)利(li)(li)開(kai)展(zhan)，也為(wei)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)業(ye)(ye)(ye)(ye)務(wu)(wu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)運行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)帶來(lai)(lai)一(yi)(yi)些(xie)(xie)(xie)(xie)隱患。在(zai)(zai)(zai)(zai)傳(chuan)統(tong)(tong)(tong)商(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)管(guan)(guan)(guan)理(li)(li)中，客(ke)戶(hu)(hu)(hu)數(shu)(shu)據(ju)(ju)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)審計(ji)是由(you)客(ke)戶(hu)(hu)(hu)經(jing)(jing)(jing)(jing)理(li)(li)進(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)，然后經(jing)(jing)(jing)(jing)過(guo)(guo)(guo)數(shu)(shu)據(ju)(ju)收(shou)集、總裁批(pi)準(zhun)和(he)審計(ji)等(deng)過(guo)(guo)(guo)程(cheng)(cheng)，這(zhe)(zhe)很容(rong)易(yi)(yi)(yi)導(dao)(dao)(dao)致審計(ji)中主(zhu)觀意識(shi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)嚴重(zhong)缺失(shi)，當(dang)客(ke)戶(hu)(hu)(hu)經(jing)(jing)(jing)(jing)理(li)(li)進(jin)家(jia)挨戶(hu)(hu)(hu)調(diao)查時(shi)(shi)(shi)(shi)，公(gong)(gong)司使(shi)(shi)用(yong)(yong)(yong)(yong)(yong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)一(yi)(yi)些(xie)(xie)(xie)(xie)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)會(hui)(hui)造(zao)成虛假的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)正(zheng)常(chang)經(jing)(jing)(jing)(jing)營(ying)環境，從而(er)(er)(er)導(dao)(dao)(dao)致客(ke)戶(hu)(hu)(hu)經(jing)(jing)(jing)(jing)理(li)(li)作(zuo)(zuo)(zuo)(zuo)(zuo)出(chu)(chu)錯(cuo)誤(wu)判斷(duan)，增(zeng)(zeng)加(jia)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)可(ke)(ke)(ke)能(neng)(neng)(neng)(neng)(neng)性(xing)[4]。

三、大數據在商業銀行信貸業務發展對策

1.優(you)(you)化(hua)(hua)(hua)(hua)管(guan)(guan)(guan)(guan)(guan)理(li)(li)(li)方(fang)(fang)(fang)(fang)(fang)式(shi)(shi)(shi)(shi)，實(shi)(shi)(shi)(shi)現(xian)(xian)大(da)(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)價(jia)值最(zui)大(da)(da)(da)(da)化(hua)(hua)(hua)(hua)大(da)(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)背景下(xia)(xia)(xia)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)要(yao)(yao)(yao)想提(ti)(ti)(ti)升(sheng)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)管(guan)(guan)(guan)(guan)(guan)理(li)(li)(li)質(zhi)量，就需(xu)(xu)(xu)要(yao)(yao)(yao)將(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)現(xian)(xian)有(you)(you)(you)管(guan)(guan)(guan)(guan)(guan)理(li)(li)(li)方(fang)(fang)(fang)(fang)(fang)式(shi)(shi)(shi)(shi)優(you)(you)化(hua)(hua)(hua)(hua)，進(jin)(jin)(jin)(jin)(jin)(jin)而(er)實(shi)(shi)(shi)(shi)現(xian)(xian)大(da)(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)價(jia)值的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)最(zui)大(da)(da)(da)(da)化(hua)(hua)(hua)(hua)。上(shang)(shang)(shang)(shang)世(shi)紀末，人(ren)(ren)(ren)(ren)們(men)對(dui)(dui)(dui)(dui)(dui)(dui)大(da)(da)(da)(da)型(xing)(xing)(xing)結(jie)構化(hua)(hua)(hua)(hua)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)進(jin)(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)了(le)(le)深(shen)入(ru)研(yan)究(jiu)，并(bing)(bing)形成了(le)(le)相(xiang)對(dui)(dui)(dui)(dui)(dui)(dui)成熟的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)技(ji)(ji)術(shu)(shu)(shu)(shu)(shu)和(he)(he)(he)(he)產(chan)(chan)品(pin)，如關(guan)(guan)(guan)系(xi)(xi)(xi)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)庫(ku)和(he)(he)(he)(he)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)存(cun)(cun)儲(chu)。在(zai)(zai)(zai)(zai)(zai)(zai)(zai)(zai)目前基(ji)(ji)于(yu)(yu)(yu)互聯(lian)(lian)網(wang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)現(xian)(xian)代(dai)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)活(huo)動中(zhong)(zhong)(zhong)，商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)應(ying)將(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)管(guan)(guan)(guan)(guan)(guan)理(li)(li)(li)模(mo)(mo)(mo)(mo)式(shi)(shi)(shi)(shi)進(jin)(jin)(jin)(jin)(jin)(jin)一(yi)(yi)步(bu)優(you)(you)化(hua)(hua)(hua)(hua)，對(dui)(dui)(dui)(dui)(dui)(dui)于(yu)(yu)(yu)客(ke)(ke)(ke)(ke)(ke)(ke)(ke)戶(hu)(hu)(hu)(hu)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)收(shou)集方(fang)(fang)(fang)(fang)(fang)式(shi)(shi)(shi)(shi)也(ye)需(xu)(xu)(xu)要(yao)(yao)(yao)進(jin)(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)改變(bian)(bian)。數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)應(ying)用(yong)(yong)(yong)(yong)(yong)要(yao)(yao)(yao)打(da)破(po)客(ke)(ke)(ke)(ke)(ke)(ke)(ke)戶(hu)(hu)(hu)(hu)收(shou)入(ru)和(he)(he)(he)(he)負(fu)債(zhai)等(deng)傳(chuan)(chuan)統信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)界限(xian)，在(zai)(zai)(zai)(zai)(zai)(zai)(zai)(zai)進(jin)(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)客(ke)(ke)(ke)(ke)(ke)(ke)(ke)戶(hu)(hu)(hu)(hu)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)收(shou)集期(qi)(qi)(qi)(qi)(qi)間(jian)(jian)(jian)(jian)需(xu)(xu)(xu)要(yao)(yao)(yao)對(dui)(dui)(dui)(dui)(dui)(dui)客(ke)(ke)(ke)(ke)(ke)(ke)(ke)戶(hu)(hu)(hu)(hu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)具(ju)(ju)(ju)體(ti)(ti)(ti)類(lei)(lei)型(xing)(xing)(xing)進(jin)(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)全面(mian)(mian)(mian)分(fen)(fen)析(xi)(xi)(xi)(xi)(xi)，準確(que)(que)(que)(que)掌(zhang)(zhang)(zhang)握(wo)各(ge)種客(ke)(ke)(ke)(ke)(ke)(ke)(ke)戶(hu)(hu)(hu)(hu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)優(you)(you)勢(shi)(shi)與(yu)(yu)(yu)特(te)點(dian)，并(bing)(bing)基(ji)(ji)于(yu)(yu)(yu)此(ci)，建(jian)立(li)(li)一(yi)(yi)個(ge)(ge)完(wan)整(zheng)(zheng)有(you)(you)(you)效(xiao)(xiao)(xiao)(xiao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)公(gong)(gong)共(gong)(gong)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)庫(ku)。根據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)中(zhong)(zhong)(zhong)國實(shi)(shi)(shi)(shi)際情(qing)況(kuang)(kuang)(kuang)，建(jian)議按(an)照共(gong)(gong)建(jian)共(gong)(gong)享的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)原則，建(jian)立(li)(li)有(you)(you)(you)效(xiao)(xiao)(xiao)(xiao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)公(gong)(gong)共(gong)(gong)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)庫(ku)，該(gai)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)庫(ku)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)建(jian)立(li)(li)主要(yao)(yao)(yao)以(yi)(yi)(yi)(yi)(yi)(yi)中(zhong)(zhong)(zhong)國人(ren)(ren)(ren)(ren)民銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)征(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)部為(wei)(wei)(wei)主進(jin)(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)，由(you)(you)此(ci)建(jian)立(li)(li)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)公(gong)(gong)共(gong)(gong)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)庫(ku)在(zai)(zai)(zai)(zai)(zai)(zai)(zai)(zai)很大(da)(da)(da)(da)程(cheng)度(du)上(shang)(shang)(shang)(shang)解(jie)(jie)(jie)決了(le)(le)機構和(he)(he)(he)(he)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)之(zhi)間(jian)(jian)(jian)(jian)無障礙共(gong)(gong)享信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)問(wen)題[5]。同時(shi)，多通道數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)源(yuan)將(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)加(jia)快數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)更(geng)(geng)新的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)頻率，還(huan)(huan)可(ke)(ke)(ke)(ke)(ke)(ke)(ke)(ke)以(yi)(yi)(yi)(yi)(yi)(yi)促進(jin)(jin)(jin)(jin)(jin)(jin)傳(chuan)(chuan)統銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)和(he)(he)(he)(he)私人(ren)(ren)(ren)(ren)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)機構之(zhi)間(jian)(jian)(jian)(jian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)有(you)(you)(you)效(xiao)(xiao)(xiao)(xiao)合(he)作(zuo)(zuo)。例如，商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)擁有(you)(you)(you)大(da)(da)(da)(da)量的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)，并(bing)(bing)借助其(qi)(qi)大(da)(da)(da)(da)型(xing)(xing)(xing)互聯(lian)(lian)網(wang)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)系(xi)(xi)(xi)統與(yu)(yu)(yu)之(zhi)合(he)作(zuo)(zuo)，重(zhong)組其(qi)(qi)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)和(he)(he)(he)(he)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)管(guan)(guan)(guan)(guan)(guan)理(li)(li)(li)功(gong)能。傳(chuan)(chuan)統商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)對(dui)(dui)(dui)(dui)(dui)(dui)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)產(chan)(chan)品(pin)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)推廣和(he)(he)(he)(he)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)開發(fa)往往局限(xian)于(yu)(yu)(yu)本行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)，如果客(ke)(ke)(ke)(ke)(ke)(ke)(ke)戶(hu)(hu)(hu)(hu)不(bu)(bu)(bu)(bu)(bu)上(shang)(shang)(shang)(shang)門咨詢，他(ta)們(men)往往無法(fa)了(le)(le)解(jie)(jie)(jie)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)具(ju)(ju)(ju)體(ti)(ti)(ti)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)產(chan)(chan)品(pin)類(lei)(lei)型(xing)(xing)(xing)，且不(bu)(bu)(bu)(bu)(bu)同商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)預期(qi)(qi)(qi)(qi)(qi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)類(lei)(lei)型(xing)(xing)(xing)和(he)(he)(he)(he)客(ke)(ke)(ke)(ke)(ke)(ke)(ke)戶(hu)(hu)(hu)(hu)標準之(zhi)間(jian)(jian)(jian)(jian)也(ye)存(cun)(cun)在(zai)(zai)(zai)(zai)(zai)(zai)(zai)(zai)一(yi)(yi)些差異，這(zhe)(zhe)將(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)導致客(ke)(ke)(ke)(ke)(ke)(ke)(ke)戶(hu)(hu)(hu)(hu)無法(fa)正確(que)(que)(que)(que)識別其(qi)(qi)需(xu)(xu)(xu)求(qiu)(qiu)，直接(jie)影響金融業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)發(fa)展(zhan)(zhan)。在(zai)(zai)(zai)(zai)(zai)(zai)(zai)(zai)產(chan)(chan)品(pin)開發(fa)方(fang)(fang)(fang)(fang)(fang)面(mian)(mian)(mian)，商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)應(ying)打(da)破(po)傳(chuan)(chuan)統的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)模(mo)(mo)(mo)(mo)式(shi)(shi)(shi)(shi)，利(li)(li)用(yong)(yong)(yong)(yong)(yong)大(da)(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)技(ji)(ji)術(shu)(shu)(shu)(shu)(shu)實(shi)(shi)(shi)(shi)現(xian)(xian)無紙(zhi)化(hua)(hua)(hua)(hua)應(ying)用(yong)(yong)(yong)(yong)(yong)，客(ke)(ke)(ke)(ke)(ke)(ke)(ke)戶(hu)(hu)(hu)(hu)能通過(guo)(guo)公(gong)(gong)共(gong)(gong)賬戶(hu)(hu)(hu)(hu)、應(ying)用(yong)(yong)(yong)(yong)(yong)程(cheng)序(xu)和(he)(he)(he)(he)其(qi)(qi)他(ta)平臺(tai)申請貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)，對(dui)(dui)(dui)(dui)(dui)(dui)于(yu)(yu)(yu)簡單的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)公(gong)(gong)司，可(ke)(ke)(ke)(ke)(ke)(ke)(ke)(ke)以(yi)(yi)(yi)(yi)(yi)(yi)根據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)流(liu)程(cheng)直接(jie)完(wan)成網(wang)上(shang)(shang)(shang)(shang)申請和(he)(he)(he)(he)網(wang)上(shang)(shang)(shang)(shang)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)，從(cong)而(er)提(ti)(ti)(ti)高信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)效(xiao)(xiao)(xiao)(xiao)率。2.豐富銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)評(ping)(ping)(ping)(ping)估(gu)體(ti)(ti)(ti)系(xi)(xi)(xi)隨著大(da)(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)技(ji)(ji)術(shu)(shu)(shu)(shu)(shu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)飛(fei)速發(fa)展(zhan)(zhan)，在(zai)(zai)(zai)(zai)(zai)(zai)(zai)(zai)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)開展(zhan)(zhan)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)期(qi)(qi)(qi)(qi)(qi)間(jian)(jian)(jian)(jian)，應(ying)做(zuo)好對(dui)(dui)(dui)(dui)(dui)(dui)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)預測性(xing)(xing)(xing)分(fen)(fen)析(xi)(xi)(xi)(xi)(xi)，例如，個(ge)(ge)人(ren)(ren)(ren)(ren)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)部門具(ju)(ju)(ju)有(you)(you)(you)客(ke)(ke)(ke)(ke)(ke)(ke)(ke)戶(hu)(hu)(hu)(hu)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)量多、單一(yi)(yi)家庭信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)規模(mo)(mo)(mo)(mo)小和(he)(he)(he)(he)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)缺失的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)特(te)點(dian)，雖然(ran)單個(ge)(ge)家庭的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)可(ke)(ke)(ke)(ke)(ke)(ke)(ke)(ke)能不(bu)(bu)(bu)(bu)(bu)確(que)(que)(que)(que)定，但對(dui)(dui)(dui)(dui)(dui)(dui)于(yu)(yu)(yu)所有(you)(you)(you)客(ke)(ke)(ke)(ke)(ke)(ke)(ke)戶(hu)(hu)(hu)(hu)而(er)言，風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)比(bi)率相(xiang)對(dui)(dui)(dui)(dui)(dui)(dui)穩(wen)定。同時(shi)，對(dui)(dui)(dui)(dui)(dui)(dui)于(yu)(yu)(yu)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)工作(zuo)(zuo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)正常開展(zhan)(zhan)而(er)言，借助大(da)(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)技(ji)(ji)術(shu)(shu)(shu)(shu)(shu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)使用(yong)(yong)(yong)(yong)(yong)，可(ke)(ke)(ke)(ke)(ke)(ke)(ke)(ke)以(yi)(yi)(yi)(yi)(yi)(yi)將(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)大(da)(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)技(ji)(ji)術(shu)(shu)(shu)(shu)(shu)作(zuo)(zuo)為(wei)(wei)(wei)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)盈利(li)(li)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)關(guan)(guan)(guan)鍵點(dian)，并(bing)(bing)在(zai)(zai)(zai)(zai)(zai)(zai)(zai)(zai)該(gai)技(ji)(ji)術(shu)(shu)(shu)(shu)(shu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)支持下(xia)(xia)(xia)，不(bu)(bu)(bu)(bu)(bu)斷(duan)(duan)將(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)提(ti)(ti)(ti)取(qu)與(yu)(yu)(yu)處(chu)理(li)(li)(li)能力(li)(li)進(jin)(jin)(jin)(jin)(jin)(jin)一(yi)(yi)步(bu)提(ti)(ti)(ti)升(sheng)，在(zai)(zai)(zai)(zai)(zai)(zai)(zai)(zai)對(dui)(dui)(dui)(dui)(dui)(dui)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)提(ti)(ti)(ti)取(qu)期(qi)(qi)(qi)(qi)(qi)間(jian)(jian)(jian)(jian)可(ke)(ke)(ke)(ke)(ke)(ke)(ke)(ke)以(yi)(yi)(yi)(yi)(yi)(yi)將(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)掌(zhang)(zhang)(zhang)握(wo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)具(ju)(ju)(ju)體(ti)(ti)(ti)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)進(jin)(jin)(jin)(jin)(jin)(jin)一(yi)(yi)步(bu)豐富，這(zhe)(zhe)樣(yang)可(ke)(ke)(ke)(ke)(ke)(ke)(ke)(ke)以(yi)(yi)(yi)(yi)(yi)(yi)更(geng)(geng)好地(di)(di)了(le)(le)解(jie)(jie)(jie)客(ke)(ke)(ke)(ke)(ke)(ke)(ke)戶(hu)(hu)(hu)(hu)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)為(wei)(wei)(wei)，以(yi)(yi)(yi)(yi)(yi)(yi)及(ji)(ji)與(yu)(yu)(yu)客(ke)(ke)(ke)(ke)(ke)(ke)(ke)戶(hu)(hu)(hu)(hu)相(xiang)關(guan)(guan)(guan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)，在(zai)(zai)(zai)(zai)(zai)(zai)(zai)(zai)此(ci)基(ji)(ji)礎上(shang)(shang)(shang)(shang)，可(ke)(ke)(ke)(ke)(ke)(ke)(ke)(ke)以(yi)(yi)(yi)(yi)(yi)(yi)更(geng)(geng)加(jia)深(shen)入(ru)地(di)(di)了(le)(le)解(jie)(jie)(jie)客(ke)(ke)(ke)(ke)(ke)(ke)(ke)戶(hu)(hu)(hu)(hu)具(ju)(ju)(ju)體(ti)(ti)(ti)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)為(wei)(wei)(wei)。在(zai)(zai)(zai)(zai)(zai)(zai)(zai)(zai)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)評(ping)(ping)(ping)(ping)估(gu)體(ti)(ti)(ti)系(xi)(xi)(xi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)構建(jian)期(qi)(qi)(qi)(qi)(qi)間(jian)(jian)(jian)(jian)，分(fen)(fen)析(xi)(xi)(xi)(xi)(xi)所有(you)(you)(you)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)，而(er)不(bu)(bu)(bu)(bu)(bu)是(shi)對(dui)(dui)(dui)(dui)(dui)(dui)機器進(jin)(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)采樣(yang)，將(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)所有(you)(you)(you)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)借助大(da)(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)挖掘技(ji)(ji)術(shu)(shu)(shu)(shu)(shu)將(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)分(fen)(fen)析(xi)(xi)(xi)(xi)(xi)，在(zai)(zai)(zai)(zai)(zai)(zai)(zai)(zai)此(ci)期(qi)(qi)(qi)(qi)(qi)間(jian)(jian)(jian)(jian)，如果存(cun)(cun)儲(chu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)存(cun)(cun)在(zai)(zai)(zai)(zai)(zai)(zai)(zai)(zai)較為(wei)(wei)(wei)復雜的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)特(te)點(dian)，就可(ke)(ke)(ke)(ke)(ke)(ke)(ke)(ke)以(yi)(yi)(yi)(yi)(yi)(yi)導致數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)出(chu)現(xian)(xian)不(bu)(bu)(bu)(bu)(bu)一(yi)(yi)致的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)情(qing)況(kuang)(kuang)(kuang)。因此(ci)，為(wei)(wei)(wei)了(le)(le)確(que)(que)(que)(que)保數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)準確(que)(que)(que)(que)性(xing)(xing)(xing)，相(xiang)關(guan)(guan)(guan)人(ren)(ren)(ren)(ren)員可(ke)(ke)(ke)(ke)(ke)(ke)(ke)(ke)以(yi)(yi)(yi)(yi)(yi)(yi)通過(guo)(guo)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)多角度(du)分(fen)(fen)析(xi)(xi)(xi)(xi)(xi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)方(fang)(fang)(fang)(fang)(fang)式(shi)(shi)(shi)(shi)將(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)及(ji)(ji)時(shi)提(ti)(ti)(ti)取(qu)出(chu)來(lai)，經(jing)(jing)由(you)(you)專家創建(jian)有(you)(you)(you)效(xiao)(xiao)(xiao)(xiao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)模(mo)(mo)(mo)(mo)型(xing)(xing)(xing)，通過(guo)(guo)創造(zao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)學模(mo)(mo)(mo)(mo)型(xing)(xing)(xing)可(ke)(ke)(ke)(ke)(ke)(ke)(ke)(ke)以(yi)(yi)(yi)(yi)(yi)(yi)準確(que)(que)(que)(que)分(fen)(fen)析(xi)(xi)(xi)(xi)(xi)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)之(zhi)間(jian)(jian)(jian)(jian)存(cun)(cun)在(zai)(zai)(zai)(zai)(zai)(zai)(zai)(zai)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)關(guan)(guan)(guan)系(xi)(xi)(xi)，為(wei)(wei)(wei)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)是(shi)否進(jin)(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)提(ti)(ti)(ti)供(gong)參考[6]。過(guo)(guo)去商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)在(zai)(zai)(zai)(zai)(zai)(zai)(zai)(zai)進(jin)(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)評(ping)(ping)(ping)(ping)級(ji)時(shi)，主要(yao)(yao)(yao)參考傳(chuan)(chuan)統數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)庫(ku)，如貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)客(ke)(ke)(ke)(ke)(ke)(ke)(ke)戶(hu)(hu)(hu)(hu)名下(xia)(xia)(xia)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)固定資產(chan)(chan)和(he)(he)(he)(he)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)存(cun)(cun)款(kuan)(kuan)(kuan)金額(e)，而(er)在(zai)(zai)(zai)(zai)(zai)(zai)(zai)(zai)個(ge)(ge)性(xing)(xing)(xing)化(hua)(hua)(hua)(hua)消(xiao)(xiao)費(fei)趨勢(shi)(shi)越(yue)來(lai)越(yue)突出(chu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)今天，這(zhe)(zhe)種風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)評(ping)(ping)(ping)(ping)級(ji)模(mo)(mo)(mo)(mo)型(xing)(xing)(xing)相(xiang)對(dui)(dui)(dui)(dui)(dui)(dui)落后，與(yu)(yu)(yu)過(guo)(guo)去相(xiang)比(bi)，人(ren)(ren)(ren)(ren)們(men)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)消(xiao)(xiao)費(fei)觀念和(he)(he)(he)(he)消(xiao)(xiao)費(fei)方(fang)(fang)(fang)(fang)(fang)式(shi)(shi)(shi)(shi)發(fa)生了(le)(le)巨大(da)(da)(da)(da)變(bian)(bian)化(hua)(hua)(hua)(hua)。因此(ci)，商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)評(ping)(ping)(ping)(ping)估(gu)客(ke)(ke)(ke)(ke)(ke)(ke)(ke)戶(hu)(hu)(hu)(hu)還(huan)(huan)款(kuan)(kuan)(kuan)能力(li)(li)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)方(fang)(fang)(fang)(fang)(fang)法(fa)應(ying)該(gai)更(geng)(geng)新，除了(le)(le)個(ge)(ge)人(ren)(ren)(ren)(ren)存(cun)(cun)款(kuan)(kuan)(kuan)和(he)(he)(he)(he)固定化(hua)(hua)(hua)(hua)等(deng)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)外，還(huan)(huan)可(ke)(ke)(ke)(ke)(ke)(ke)(ke)(ke)以(yi)(yi)(yi)(yi)(yi)(yi)增加(jia)對(dui)(dui)(dui)(dui)(dui)(dui)客(ke)(ke)(ke)(ke)(ke)(ke)(ke)戶(hu)(hu)(hu)(hu)個(ge)(ge)人(ren)(ren)(ren)(ren)消(xiao)(xiao)費(fei)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)分(fen)(fen)析(xi)(xi)(xi)(xi)(xi)，有(you)(you)(you)效(xiao)(xiao)(xiao)(xiao)提(ti)(ti)(ti)高信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)與(yu)(yu)(yu)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)管(guan)(guan)(guan)(guan)(guan)理(li)(li)(li)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)效(xiao)(xiao)(xiao)(xiao)率。3.將(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)控(kong)(kong)制(zhi)(zhi)與(yu)(yu)(yu)大(da)(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)征(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)結(jie)合(he)在(zai)(zai)(zai)(zai)(zai)(zai)(zai)(zai)大(da)(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)時(shi)代(dai)，對(dui)(dui)(dui)(dui)(dui)(dui)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)安全和(he)(he)(he)(he)系(xi)(xi)(xi)統穩(wen)定性(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)要(yao)(yao)(yao)求(qiu)(qiu)越(yue)來(lai)越(yue)高，為(wei)(wei)(wei)了(le)(le)跟上(shang)(shang)(shang)(shang)大(da)(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)發(fa)展(zhan)(zhan)，加(jia)強(qiang)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)和(he)(he)(he)(he)網(wang)絡(luo)安全管(guan)(guan)(guan)(guan)(guan)理(li)(li)(li)尤為(wei)(wei)(wei)重(zhong)要(yao)(yao)(yao)，對(dui)(dui)(dui)(dui)(dui)(dui)提(ti)(ti)(ti)升(sheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)順利(li)(li)開展(zhan)(zhan)具(ju)(ju)(ju)有(you)(you)(you)一(yi)(yi)定意義。首(shou)先，在(zai)(zai)(zai)(zai)(zai)(zai)(zai)(zai)將(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)控(kong)(kong)制(zhi)(zhi)與(yu)(yu)(yu)大(da)(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)征(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)結(jie)合(he)期(qi)(qi)(qi)(qi)(qi)間(jian)(jian)(jian)(jian)，商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)管(guan)(guan)(guan)(guan)(guan)理(li)(li)(li)人(ren)(ren)(ren)(ren)員需(xu)(xu)(xu)要(yao)(yao)(yao)加(jia)強(qiang)對(dui)(dui)(dui)(dui)(dui)(dui)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)和(he)(he)(he)(he)網(wang)絡(luo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)安全管(guan)(guan)(guan)(guan)(guan)理(li)(li)(li)，經(jing)(jing)由(you)(you)創新技(ji)(ji)術(shu)(shu)(shu)(shu)(shu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)使用(yong)(yong)(yong)(yong)(yong)，將(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)加(jia)密算法(fa)進(jin)(jin)(jin)(jin)(jin)(jin)一(yi)(yi)步(bu)改進(jin)(jin)(jin)(jin)(jin)(jin)，這(zhe)(zhe)樣(yang)可(ke)(ke)(ke)(ke)(ke)(ke)(ke)(ke)以(yi)(yi)(yi)(yi)(yi)(yi)確(que)(que)(que)(que)保數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)傳(chuan)(chuan)輸的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)真實(shi)(shi)(shi)(shi)性(xing)(xing)(xing)。其(qi)(qi)次(ci)，在(zai)(zai)(zai)(zai)(zai)(zai)(zai)(zai)進(jin)(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)期(qi)(qi)(qi)(qi)(qi)間(jian)(jian)(jian)(jian)，商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)需(xu)(xu)(xu)要(yao)(yao)(yao)仔細審(shen)核企(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)征(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)，借助大(da)(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)技(ji)(ji)術(shu)(shu)(shu)(shu)(shu)下(xia)(xia)(xia)，對(dui)(dui)(dui)(dui)(dui)(dui)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)庫(ku)進(jin)(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)重(zhong)構。隨著計算機技(ji)(ji)術(shu)(shu)(shu)(shu)(shu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)飛(fei)速發(fa)展(zhan)(zhan)，技(ji)(ji)術(shu)(shu)(shu)(shu)(shu)水(shui)平、員工素(su)質(zhi)和(he)(he)(he)(he)第三(san)方(fang)(fang)(fang)(fang)(fang)組織(zhi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)保密性(xing)(xing)(xing)將(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)決定信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)和(he)(he)(he)(he)系(xi)(xi)(xi)統網(wang)絡(luo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)安全性(xing)(xing)(xing)，要(yao)(yao)(yao)想提(ti)(ti)(ti)升(sheng)對(dui)(dui)(dui)(dui)(dui)(dui)企(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)征(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)了(le)(le)解(jie)(jie)(jie)程(cheng)度(du)，就需(xu)(xu)(xu)要(yao)(yao)(yao)不(bu)(bu)(bu)(bu)(bu)斷(duan)(duan)加(jia)強(qiang)對(dui)(dui)(dui)(dui)(dui)(dui)第三(san)方(fang)(fang)(fang)(fang)(fang)合(he)作(zuo)(zuo)機構資質(zhi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)審(shen)查(cha)(cha)。最(zui)后，應(ying)加(jia)強(qiang)流(liu)程(cheng)工作(zuo)(zuo)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)細化(hua)(hua)(hua)(hua)分(fen)(fen)工，在(zai)(zai)(zai)(zai)(zai)(zai)(zai)(zai)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)部門，有(you)(you)(you)許(xu)多服務(wu)(wu)(wu)(wu)(wu)(wu)和(he)(he)(he)(he)工作(zuo)(zuo)人(ren)(ren)(ren)(ren)員參與(yu)(yu)(yu)，當職責(ze)明(ming)確(que)(que)(que)(que)時(shi)，各(ge)人(ren)(ren)(ren)(ren)員所負(fu)責(ze)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)責(ze)任將(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)被(bei)細化(hua)(hua)(hua)(hua)，各(ge)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)流(liu)程(cheng)也(ye)將(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)逐漸被(bei)細分(fen)(fen)[7]。同時(shi)，大(da)(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)環(huan)境下(xia)(xia)(xia)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)應(ying)完(wan)善(shan)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)控(kong)(kong)制(zhi)(zhi)應(ying)急(ji)處(chu)置體(ti)(ti)(ti)系(xi)(xi)(xi)，檢查(cha)(cha)可(ke)(ke)(ke)(ke)(ke)(ke)(ke)(ke)能存(cun)(cun)在(zai)(zai)(zai)(zai)(zai)(zai)(zai)(zai)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)點(dian)，在(zai)(zai)(zai)(zai)(zai)(zai)(zai)(zai)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)管(guan)(guan)(guan)(guan)(guan)控(kong)(kong)體(ti)(ti)(ti)系(xi)(xi)(xi)創新過(guo)(guo)程(cheng)中(zhong)(zhong)(zhong)，嚴重(zhong)失信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)應(ying)充分(fen)(fen)利(li)(li)用(yong)(yong)(yong)(yong)(yong)技(ji)(ji)術(shu)(shu)(shu)(shu)(shu)優(you)(you)勢(shi)(shi)和(he)(he)(he)(he)在(zai)(zai)(zai)(zai)(zai)(zai)(zai)(zai)傳(chuan)(chuan)統信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)管(guan)(guan)(guan)(guan)(guan)理(li)(li)(li)系(xi)(xi)(xi)統基(ji)(ji)礎上(shang)(shang)(shang)(shang)應(ying)用(yong)(yong)(yong)(yong)(yong)大(da)(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)技(ji)(ji)術(shu)(shu)(shu)(shu)(shu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)思(si)路，建(jian)立(li)(li)完(wan)善(shan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)管(guan)(guan)(guan)(guan)(guan)控(kong)(kong)體(ti)(ti)(ti)系(xi)(xi)(xi)，在(zai)(zai)(zai)(zai)(zai)(zai)(zai)(zai)新的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)控(kong)(kong)制(zhi)(zhi)體(ti)(ti)(ti)系(xi)(xi)(xi)中(zhong)(zhong)(zhong)，商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)應(ying)打(da)破(po)傳(chuan)(chuan)統的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)管(guan)(guan)(guan)(guan)(guan)理(li)(li)(li)結(jie)構，形成以(yi)(yi)(yi)(yi)(yi)(yi)客(ke)(ke)(ke)(ke)(ke)(ke)(ke)戶(hu)(hu)(hu)(hu)為(wei)(wei)(wei)中(zhong)(zhong)(zhong)心的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)扁(bian)平化(hua)(hua)(hua)(hua)結(jie)構，通過(guo)(guo)大(da)(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)技(ji)(ji)術(shu)(shu)(shu)(shu)(shu)深(shen)入(ru)挖掘完(wan)整(zheng)(zheng)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)客(ke)(ke)(ke)(ke)(ke)(ke)(ke)戶(hu)(hu)(hu)(hu)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)，并(bing)(bing)將(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)客(ke)(ke)(ke)(ke)(ke)(ke)(ke)戶(hu)(hu)(hu)(hu)融資行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)為(wei)(wei)(wei)、生活(huo)方(fang)(fang)(fang)(fang)(fang)式(shi)(shi)(shi)(shi)、出(chu)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)、生產(chan)(chan)、納稅(shui)、消(xiao)(xiao)費(fei)習慣(guan)等(deng)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)整(zheng)(zheng)合(he)到(dao)(dao)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)審(shen)查(cha)(cha)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)中(zhong)(zhong)(zhong)，對(dui)(dui)(dui)(dui)(dui)(dui)目標群體(ti)(ti)(ti)進(jin)(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)深(shen)入(ru)評(ping)(ping)(ping)(ping)估(gu)，進(jin)(jin)(jin)(jin)(jin)(jin)而(er)準確(que)(que)(que)(que)發(fa)放貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)。此(ci)外，對(dui)(dui)(dui)(dui)(dui)(dui)于(yu)(yu)(yu)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)來(lai)說，商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)公(gong)(gong)司審(shen)計應(ying)改變(bian)(bian)傳(chuan)(chuan)統對(dui)(dui)(dui)(dui)(dui)(dui)單個(ge)(ge)因素(su)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)審(shen)查(cha)(cha)，而(er)應(ying)使用(yong)(yong)(yong)(yong)(yong)大(da)(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)技(ji)(ji)術(shu)(shu)(shu)(shu)(shu)來(lai)控(kong)(kong)制(zhi)(zhi)和(he)(he)(he)(he)評(ping)(ping)(ping)(ping)估(gu)整(zheng)(zheng)個(ge)(ge)客(ke)(ke)(ke)(ke)(ke)(ke)(ke)戶(hu)(hu)(hu)(hu)，這(zhe)(zhe)將(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)有(you)(you)(you)助于(yu)(yu)(yu)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)更(geng)(geng)好地(di)(di)控(kong)(kong)制(zhi)(zhi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)交易的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)，通過(guo)(guo)關(guan)(guan)(guan)聯(lian)(lian)企(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)合(he)作(zuo)(zuo)關(guan)(guan)(guan)系(xi)(xi)(xi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)頻繁變(bian)(bian)化(hua)(hua)(hua)(hua)和(he)(he)(he)(he)長期(qi)(qi)(qi)(qi)(qi)合(he)作(zuo)(zuo)企(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)空(kong)期(qi)(qi)(qi)(qi)(qi)，發(fa)現(xian)(xian)企(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)危機，謹慎或拒絕(jue)發(fa)放貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)。4.豐富商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)維度(du)，提(ti)(ti)(ti)高信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)掌(zhang)(zhang)(zhang)握(wo)能力(li)(li)基(ji)(ji)于(yu)(yu)(yu)大(da)(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)應(ying)克服傳(chuan)(chuan)統的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)限(xian)制(zhi)(zhi)，在(zai)(zai)(zai)(zai)(zai)(zai)(zai)(zai)傳(chuan)(chuan)統數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)維度(du)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)基(ji)(ji)礎上(shang)(shang)(shang)(shang)將(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)其(qi)(qi)豐富，將(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)大(da)(da)(da)(da)量非(fei)傳(chuan)(chuan)統數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)不(bu)(bu)(bu)(bu)(bu)斷(duan)(duan)整(zheng)(zheng)合(he)到(dao)(dao)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)中(zhong)(zhong)(zhong)，并(bing)(bing)將(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)其(qi)(qi)與(yu)(yu)(yu)傳(chuan)(chuan)統數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)進(jin)(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)有(you)(you)(you)效(xiao)(xiao)(xiao)(xiao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)結(jie)合(he)，這(zhe)(zhe)樣(yang)可(ke)(ke)(ke)(ke)(ke)(ke)(ke)(ke)以(yi)(yi)(yi)(yi)(yi)(yi)更(geng)(geng)加(jia)全面(mian)(mian)(mian)地(di)(di)評(ping)(ping)(ping)(ping)估(gu)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)人(ren)(ren)(ren)(ren)與(yu)(yu)(yu)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)企(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)狀(zhuang)況(kuang)(kuang)(kuang)。只有(you)(you)(you)切(qie)實(shi)(shi)(shi)(shi)掌(zhang)(zhang)(zhang)握(wo)借貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)企(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)狀(zhuang)況(kuang)(kuang)(kuang)，才可(ke)(ke)(ke)(ke)(ke)(ke)(ke)(ke)以(yi)(yi)(yi)(yi)(yi)(yi)準確(que)(que)(que)(que)分(fen)(fen)析(xi)(xi)(xi)(xi)(xi)借貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)企(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)是(shi)否具(ju)(ju)(ju)有(you)(you)(you)還(huan)(huan)款(kuan)(kuan)(kuan)能力(li)(li)，從(cong)而(er)加(jia)大(da)(da)(da)(da)規模(mo)(mo)(mo)(mo)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)控(kong)(kong)制(zhi)(zhi)應(ying)用(yong)(yong)(yong)(yong)(yong)。將(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)新模(mo)(mo)(mo)(mo)型(xing)(xing)(xing)技(ji)(ji)術(shu)(shu)(shu)(shu)(shu)應(ying)用(yong)(yong)(yong)(yong)(yong)到(dao)(dao)實(shi)(shi)(shi)(shi)際應(ying)用(yong)(yong)(yong)(yong)(yong)中(zhong)(zhong)(zhong)，以(yi)(yi)(yi)(yi)(yi)(yi)實(shi)(shi)(shi)(shi)現(xian)(xian)全面(mian)(mian)(mian)準確(que)(que)(que)(que)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)客(ke)(ke)(ke)(ke)(ke)(ke)(ke)戶(hu)(hu)(hu)(hu)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)評(ping)(ping)(ping)(ping)估(gu)目標，并(bing)(bing)構建(jian)大(da)(da)(da)(da)型(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)級(ji)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)平臺(tai)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)主要(yao)(yao)(yao)流(liu)程(cheng)，通過(guo)(guo)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)平臺(tai)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)建(jian)立(li)(li)可(ke)(ke)(ke)(ke)(ke)(ke)(ke)(ke)以(yi)(yi)(yi)(yi)(yi)(yi)切(qie)實(shi)(shi)(shi)(shi)滿足信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)開展(zhan)(zhan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)具(ju)(ju)(ju)體(ti)(ti)(ti)要(yao)(yao)(yao)求(qiu)(qiu)，以(yi)(yi)(yi)(yi)(yi)(yi)此(ci)不(bu)(bu)(bu)(bu)(bu)斷(duan)(duan)滿足商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)需(xu)(xu)(xu)求(qiu)(qiu)。隨著大(da)(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)增加(jia)，驗證客(ke)(ke)(ke)(ke)(ke)(ke)(ke)戶(hu)(hu)(hu)(hu)身份的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)不(bu)(bu)(bu)(bu)(bu)再局限(xian)于(yu)(yu)(yu)個(ge)(ge)人(ren)(ren)(ren)(ren)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)，還(huan)(huan)可(ke)(ke)(ke)(ke)(ke)(ke)(ke)(ke)以(yi)(yi)(yi)(yi)(yi)(yi)將(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)其(qi)(qi)不(bu)(bu)(bu)(bu)(bu)斷(duan)(duan)擴(kuo)展(zhan)(zhan)，包括來(lai)自網(wang)絡(luo)運(yun)營(ying)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)具(ju)(ju)(ju)體(ti)(ti)(ti)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)、電子商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)務(wu)(wu)(wu)(wu)(wu)(wu)平臺(tai)上(shang)(shang)(shang)(shang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)等(deng)。這(zhe)(zhe)些信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)準確(que)(que)(que)(que)地(di)(di)反映了(le)(le)客(ke)(ke)(ke)(ke)(ke)(ke)(ke)戶(hu)(hu)(hu)(hu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)消(xiao)(xiao)費(fei)能力(li)(li)和(he)(he)(he)(he)功(gong)能，然(ran)而(er)，要(yao)(yao)(yao)想進(jin)(jin)(jin)(jin)(jin)(jin)一(yi)(yi)步(bu)提(ti)(ti)(ti)升(sheng)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)開展(zhan)(zhan)有(you)(you)(you)效(xiao)(xiao)(xiao)(xiao)性(xing)(xing)(xing)，就需(xu)(xu)(xu)要(yao)(yao)(yao)加(jia)強(qiang)對(dui)(dui)(dui)(dui)(dui)(dui)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)收(shou)集與(yu)(yu)(yu)分(fen)(fen)析(xi)(xi)(xi)(xi)(xi)，建(jian)立(li)(li)估(gu)值模(mo)(mo)(mo)(mo)型(xing)(xing)(xing)，防范信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)并(bing)(bing)提(ti)(ti)(ti)供(gong)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)評(ping)(ping)(ping)(ping)級(ji)服務(wu)(wu)(wu)(wu)(wu)(wu)，這(zhe)(zhe)也(ye)是(shi)對(dui)(dui)(dui)(dui)(dui)(dui)中(zhong)(zhong)(zhong)國銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)調查(cha)(cha)系(xi)(xi)(xi)統的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)有(you)(you)(you)力(li)(li)補充。此(ci)外，由(you)(you)于(yu)(yu)(yu)商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)(dai)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)(wu)(wu)(wu)(wu)(wu)活(huo)動具(ju)(ju)(ju)有(you)(you)(you)周期(qi)(qi)(qi)(qi)(qi)性(xing)(xing)(xing)波動的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)特(te)點(dian)，與(yu)(yu)(yu)宏觀經(jing)(jing)濟(ji)周期(qi)(qi)(qi)(qi)(qi)正相(xiang)關(guan)(guan)(guan)。目前，我(wo)國社會(hui)經(jing)(jing)濟(ji)在(zai)(zai)(zai)(zai)(zai)(zai)(zai)(zai)發(fa)展(zhan)(zhan)進(jin)(jin)(jin)(jin)(jin)(jin)程(cheng)中(zhong)(zhong)(zhong)，由(you)(you)于(yu)(yu)(yu)經(jing)(jing)濟(ji)正處(chu)于(yu)(yu)(yu)一(yi)(yi)種螺旋(xuan)式(shi)(shi)(shi)(shi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)方(fang)(fang)(fang)(fang)(fang)式(shi)(shi)(shi)(shi)呈現(xian)(xian)下(xia)(xia)(xia)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)，而(er)產(chan)(chan)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)產(chan)(chan)能也(ye)存(cun)(cun)在(zai)(zai)(zai)(zai)(zai)(zai)(zai)(zai)過(guo)(guo)剩(sheng)較為(wei)(wei)(wei)突出(chu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)情(qing)況(kuang)(kuang)(kuang)，因此(ci)，需(xu)(xu)(xu)要(yao)(yao)(yao)深(shen)化(hua)(hua)(hua)(hua)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)監(jian)控(kong)(kong)體(ti)(ti)(ti)系(xi)(xi)(xi)建(jian)設，在(zai)(zai)(zai)(zai)(zai)(zai)(zai)(zai)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)監(jian)控(kong)(kong)體(ti)(ti)(ti)系(xi)(xi)(xi)建(jian)設期(qi)(qi)(qi)(qi)(qi)間(jian)(jian)(jian)(jian)可(ke)(ke)(ke)(ke)(ke)(ke)(ke)(ke)以(yi)(yi)(yi)(yi)(yi)(yi)建(jian)立(li)(li)預警監(jian)控(kong)(kong)系(xi)(xi)(xi)統，及(ji)(ji)時(shi)做(zuo)好全過(guo)(guo)程(cheng)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)控(kong)(kong)制(zhi)(zhi)，針對(dui)(dui)(dui)(dui)(dui)(dui)存(cun)(cun)在(zai)(zai)(zai)(zai)(zai)(zai)(zai)(zai)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)問(wen)題提(ti)(ti)(ti)出(chu)相(xiang)應(ying)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)預防措施。商(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)可(ke)(ke)(ke)(ke)(ke)(ke)(ke)(ke)以(yi)(yi)(yi)(yi)(yi)(yi)在(zai)(zai)(zai)(zai)(zai)(zai)(zai)(zai)客(ke)(ke)(ke)(ke)(ke)(ke)(ke)戶(hu)(hu)(hu)(hu)許(xu)可(ke)(ke)(ke)(ke)(ke)(ke)(ke)(ke)下(xia)(xia)(xia)查(cha)(cha)看客(ke)(ke)(ke)(ke)(ke)(ke)(ke)戶(hu)(hu)(hu)(hu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)憑證，并(bing)(bing)對(dui)(dui)(dui)(dui)(dui)(dui)借款(kuan)(kuan)(kuan)人(ren)(ren)(ren)(ren)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)聯(lian)(lian)系(xi)(xi)(xi)人(ren)(ren)(ren)(ren)和(he)(he)(he)(he)社會(hui)環(huan)境進(jin)(jin)(jin)(jin)(jin)(jin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)分(fen)(fen)析(xi)(xi)(xi)(xi)(xi)，有(you)(you)(you)助于(yu)(yu)(yu)評(ping)(ping)(ping)(ping)估(gu)共(gong)(gong)同債(zhai)務(wu)(wu)(wu)(wu)(wu)(wu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)，這(zhe)(zhe)些實(shi)(shi)(shi)(shi)時(shi)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)(xi)(xi)將(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)(jiang)實(shi)(shi)(shi)(shi)時(shi)更(geng)(geng)新公(gong)(gong)共(gong)(gong)數(shu)(shu)(shu)(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)庫(ku)，并(bing)(bing)記錄整(zheng)(zheng)個(ge)(ge)鏈中(zhong)(zhong)(zhong)每個(ge)(ge)節點(dian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)變(bian)(bian)化(hua)(hua)(hua)(hua)，從(cong)而(er)在(zai)(zai)(zai)(zai)(zai)(zai)(zai)(zai)不(bu)(bu)(bu)(bu)(bu)違約(yue)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)情(qing)況(kuang)(kuang)(kuang)下(xia)(xia)(xia)實(shi)(shi)(shi)(shi)現(xian)(xian)早(zao)期(qi)(qi)(qi)(qi)(qi)風(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)報警[8]。

四、結論

綜上所述，在(zai)大(da)數(shu)(shu)(shu)據(ju)背景下(xia)，為了(le)促進(jin)商(shang)業(ye)(ye)銀(yin)(yin)(yin)(yin)行信(xin)(xin)貸(dai)業(ye)(ye)務(wu)風險(xian)(xian)管(guan)(guan)理(li)(li)(li)(li)水平的(de)(de)(de)(de)(de)(de)提(ti)高，商(shang)業(ye)(ye)銀(yin)(yin)(yin)(yin)行需(xu)要(yao)轉變現(xian)有管(guan)(guan)理(li)(li)(li)(li)模式，在(zai)開(kai)展(zhan)(zhan)(zhan)信(xin)(xin)貸(dai)業(ye)(ye)務(wu)開(kai)展(zhan)(zhan)(zhan)期間(jian)，應借(jie)助(zhu)大(da)數(shu)(shu)(shu)據(ju)手段下(xia)，不斷(duan)提(ti)升商(shang)業(ye)(ye)銀(yin)(yin)(yin)(yin)行在(zai)進(jin)行信(xin)(xin)貸(dai)業(ye)(ye)務(wu)期間(jian)對(dui)相關借(jie)貸(dai)企業(ye)(ye)與借(jie)貸(dai)人員(yuan)(yuan)的(de)(de)(de)(de)(de)(de)信(xin)(xin)用查看，有必要(yao)加強大(da)數(shu)(shu)(shu)據(ju)技術(shu)在(zai)信(xin)(xin)貸(dai)業(ye)(ye)務(wu)風險(xian)(xian)管(guan)(guan)理(li)(li)(li)(li)中的(de)(de)(de)(de)(de)(de)應用。因(yin)此，在(zai)今后(hou)實(shi)踐中，商(shang)業(ye)(ye)銀(yin)(yin)(yin)(yin)行應明確當(dang)前風險(xian)(xian)管(guan)(guan)理(li)(li)(li)(li)中存在(zai)的(de)(de)(de)(de)(de)(de)問(wen)題(ti)，基于現(xian)存的(de)(de)(de)(de)(de)(de)問(wen)題(ti)，可(ke)(ke)以(yi)結合大(da)數(shu)(shu)(shu)據(ju)技術(shu)，積極創新(xin)風險(xian)(xian)管(guan)(guan)理(li)(li)(li)(li)策略(lve)，將存在(zai)的(de)(de)(de)(de)(de)(de)問(wen)題(ti)及時(shi)解決，從而能夠進(jin)一步(bu)促進(jin)信(xin)(xin)貸(dai)活(huo)(huo)動(dong)的(de)(de)(de)(de)(de)(de)健(jian)康發(fa)展(zhan)(zhan)(zhan)。由于大(da)數(shu)(shu)(shu)據(ju)技術(shu)的(de)(de)(de)(de)(de)(de)授權可(ke)(ke)以(yi)為商(shang)業(ye)(ye)銀(yin)(yin)(yin)(yin)行的(de)(de)(de)(de)(de)(de)信(xin)(xin)貸(dai)活(huo)(huo)動(dong)帶來新(xin)的(de)(de)(de)(de)(de)(de)發(fa)展(zhan)(zhan)(zhan)機(ji)會(hui)，在(zai)實(shi)踐中，商(shang)業(ye)(ye)銀(yin)(yin)(yin)(yin)行可(ke)(ke)以(yi)將大(da)數(shu)(shu)(shu)據(ju)技術(shu)應用到征信(xin)(xin)系(xi)統和信(xin)(xin)息(xi)管(guan)(guan)理(li)(li)(li)(li)系(xi)統中，但這些系(xi)統的(de)(de)(de)(de)(de)(de)具體功能還需(xu)專(zhuan)業(ye)(ye)管(guan)(guan)理(li)(li)(li)(li)人員(yuan)(yuan)來完成，這對(dui)商(shang)業(ye)(ye)銀(yin)(yin)(yin)(yin)行員(yuan)(yuan)工的(de)(de)(de)(de)(de)(de)素(su)質提(ti)出了(le)更高的(de)(de)(de)(de)(de)(de)要(yao)求(qiu)。為保證信(xin)(xin)貸(dai)業(ye)(ye)務(wu)風險(xian)(xian)管(guan)(guan)理(li)(li)(li)(li)的(de)(de)(de)(de)(de)(de)有效性，商(shang)業(ye)(ye)銀(yin)(yin)(yin)(yin)行應注重建立系(xi)統完善(shan)的(de)(de)(de)(de)(de)(de)培訓機(ji)制，對(dui)商(shang)業(ye)(ye)銀(yin)(yin)(yin)(yin)行信(xin)(xin)貸(dai)業(ye)(ye)務(wu)人員(yuan)(yuan)進(jin)行培訓，從而可(ke)(ke)以(yi)不斷(duan)提(ti)高從業(ye)(ye)人員(yuan)(yuan)的(de)(de)(de)(de)(de)(de)業(ye)(ye)務(wu)素(su)質，以(yi)促進(jin)其能夠具備可(ke)(ke)持續發(fa)展(zhan)(zhan)(zhan)的(de)(de)(de)(de)(de)(de)可(ke)(ke)觀(guan)性。

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作者：沈(shen)鵬 單(dan)位：錦州銀行股(gu)份有(you)限公(gong)司沈(shen)陽分行