Shulou(Shulou.com)06/03 Report--

Chen Jingzeng, Counsellor and member of the National Informatization expert Advisory Committee, pointed out: without informatization, there would be no financial modernization. Since entering the information age, the living environment of banks has undergone tremendous changes. Information construction and the application of big data have become a bargaining chip in banking competition and a way to gain competitive advantage.

Big data in the fan soft legend brother's view, there are two meanings, one is a large number of data, the other is data that can produce value. For banks, there is never a shortage of data, what is missing is data that can generate value. Legend has it that Brother once revolutionized the department store industry in the era of big data. "the application direction of data is discussed in this article, one is the data application around the business and users, and the other is the data application around the management and operation of the enterprise itself. The same is true for the application direction of data for the banking industry. Our ancestors taught us that we need good blacksmiths to make good steel, so extracting valuable data to optimize business operations is not only a key step in big data's information construction, but also a step being taken by the banking industry.

According to the form, the banking industry is divided into two categories: rural commercial banks and urban commercial banks. This time, we will first discuss the current situation and problems of the informatization of agricultural and commercial banks with the legendary elder brother.

The information construction of rural commercial banks is different from that of urban rural commercial banks. Urban commercial banks integrate into a unified network system through scattered small systems, and then gradually evolve into a set of basic information platform, which is a unified platform. While the rural commercial banks are gradually separated from the network of credit unions, more than 2000 agricultural commercial banks across the country, their informatization road is also relatively scattered and independent, and the level of informatization, especially the level of data application, lags far behind that of urban commercial banks.

1. Agricultural and commercial banks have no data center, no report system, reports are presented in various systems, and the rest are Excel files, which are troublesome in daily management and inefficient in response. Business staff often do not know where to find data, and the use of data is the least efficient.

2. The agricultural and commercial bank has a report system, but the response is slow, which weakens the value of the report system. The business staff continue to ask the technical staff for data, forming a large number of Excel files, which can not be analyzed and summarized effectively.

3. The Agricultural and Commercial Bank has a report system and timely maintenance, but the technical staff are tired of dealing with the daily report requirements, and the analysis awareness of the business staff is weak, which leads to making the report in order to see the report.

4. The business personnel of agricultural and commercial banks can independently take numbers for various data and report analysis, and technicians can provide a platform for independent data fetching, and at the same time assist business departments to implement data mining, combined with mobile presentation, to achieve the purpose of data value presentation.

Unfortunately, most agricultural banks stay in the second category, while a few are in the third category. Although the degree of informationization of these three categories is different, to sum up, it is nothing more than the problems of many systems, the response of demand changes, the problem of inconsistent caliber, the efficiency of data display and analysis, the inability to move offices, and the personnel power of the Ministry of Science and Technology, as follows:

1: there are many systems. Agricultural and commercial banks have many self-built systems such as salary and micro-loan, and each system report is realized by code, which is messy and troublesome to hand over, which can not provide strong support for front-end decision-making and business department requirements.

2: there are many changes in requirements. In order to meet the needs of operation and management, business departments often add new reports, analyze and adjust them according to the areas that leaders focus on, and the adjustment of provincial ODS caliber will also bring about report redesign, etc.

3: inconsistent caliber. The caliber of provincial statistics is inconsistent with that of cities and counties, and cities and counties need to be reprocessed.

4: the efficiency of fetching is slow. The number of business personnel needs to be provided by technicians, which seriously affects the efficiency of both parties.

5: can not achieve mobile office. Leaders on business trips cannot view the core KPI indicators in the line in real time, and lack of mobile data presentation.

6: the value of the Ministry of Science and Technology can not be reflected: most systems are developed by software vendors, and the Ministry of Science and Technology is only maintenance work, which can not reflect its own value.

It can be seen that these six major problems have basically strangled the lifeline of the Agricultural Commercial Bank's application of big data: the data cannot be applied or is very difficult to use, and the department that organizes and implements the data application has no power and sense of value. Under such circumstances, how is it possible to play big data well?

The arrival of a new era will always create a group of wave riders and abandon a number of crane tails. If you want to overtake at the corner in the era of big data, you must let the data serve the operation, the profit and the strategy of the enterprise.

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