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银行大数据探索面临多重挑战

2016年05月06日 07:20    来源： 中国经济网—《经济日报》    
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　　马 韬 易观智库分析师

　　大数据不仅仅是工具，未来将是银行业的核心资产。银行的大数据探索并非一帆风顺，面临着多重挑战。第一大挑战是征信体系不完善。个人以及企业的数据来源有限，导致银行收集数据成本高、数据维度不足。第二大挑战就是“面签”所带来的不便。银行为企业发放贷款时，仍必须满足面签要求，即借贷双方当面签署合同和协议，导致信贷效率不理想。


（责任编辑： 魏京婷 ）

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