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随着数字化时代的到来,金融行业广泛运用大数据资源和技术,在精准营销、客户经营、决策支持、风险防控等领域,基于大数据思维,深入挖掘数据价值,重塑营销服务模式,提升精细化运营管理效能,智慧防控关联业务风险,逐步建立全生命周期数据管理体系。同时,本报告还介绍了云原生、数据中台等大数据技术最新的发展趋势,分析了金融机构在架构转型、金融基础设施建设等领域面临的投入成本高、资源重复建设、需求响应慢等问题,提出云化部署、融合数仓、数据湖、打造第二数据平面等解决方案,并通过平安银行、华为等大数据应用案例为其他行业提供借鉴。
<<In recent years,with the advent of the digital age,big data resources and technologies were widely used in financial fields,such as precision marketing,client management,decision support,risk prevention and control. Utilizing big data thinking,the potential value of data can be discovered by financial institutions. Additionally,big data thingking helps deeply excavating data value to reshape service model,improve the effectiveness of refined operation and management,strengthen risk control and gradually establish full-life-cycle data management systems. Further,the recent development trend of Big Data Technology was introduced in the paper,such as Cloud-native,Data middle platform and so on. Moreover,we proposed a cloud deployment method,data fusion warehouses,data lake,creating second data plane. These techniques reduce high input costs of financial infrastructure construction and duplicate construction,increase the response efficiency to demand that financial institutions often faced in the process of technology systems transforming. In addition,big data application cases of Ping An Bank and Huawei were introduced to provide references for other industries.
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