臺灣銀行業者運用大數據優化徵信流程之探討：以T銀行為例

Abstract

大數據在我們的日常生活中越來越密不可分，所得到的數位資料類型及數量也越來越多及廣泛，在龐大的資料中找尋線索、利用整理過的統計趨勢瞭解過去、預測未來以外，如何善加運用大數據並將枯燥的數據轉換成商業價值或機會更是關鍵。在大數據浪潮下，大數據已不只是資料分析及處理而已，現已發展成為企業新思維和商業模式不可或缺的運用，而大數據應用價值上最具發展潛力的四大產業為資訊業、金融保險、政府、批發貿易；若以數據資料量來看，資訊業、金融保險、及公用事業的料量則最為龐大。因此，金融保險產業將會是大數據時代下，最為重要的產業之一。

金融業存在著高度競爭、高度風險的痛點，大數據即將促使金融產業轉變，本研究之目的在探討金融產業如何運用大數據的技術及海量資料，在大數據的時代下取得先機，提升經營績效及風險管理。透過查閱相關期刊、書籍、論文、網路等公開資料，借鏡國外利用大數據徵信之實例，選定國內一家銀行做為個案研究，以探討銀行如何善用大數據徵信優化既有徵信流程，為銀行帶來之效益。

研究發現透過大數據分析客戶交易紀錄及消費模式，獲得更為精準的行銷目標，及時提供符合客戶需求之商品。其次，經由大數據資料挖掘，評估客戶信用風險，以及交易紀錄判斷洗錢、詐欺、冒辦等風險，可有效降低損失之發生。運用大數據技術將傳統以人工判斷之作業流程，轉換為以大數據分析之結果為依歸，進行差異化行銷、服務，發掘更多的潛在客戶需求和商機，同時也可降低風險之發生。Big data is becoming more and more inseparable in our daily lives. The type and quantity of digital data we receive has become more and more extensive. We look for clues in large data, use compiled statistical trends to understand the past and predict the future. How to make good use of big data and turn boring data into business value or opportunity is even more critical. In the wave of big data, big data is not just an analysis and processing of data. It has now become an indispensable application of new thinking and business models, and the four industries with the greatest potential for development in big data are the information industry, financial industry, government, and wholesale and retail industry; in addition, if based on the volume of data, information industry, financial industry, and utilities industry are the most abundant. Therefore, the financial industry will be one of the most important industries in the era of big data. There is a highly competitive and highly risky pain point in the financial industry, and big data is about to transform the financial industry. The purpose of this research is to explore how the financial industry can use big data technologies and massive data to gain an opportunity in the era of big data and improve business performance and risk management. Through accessing publicly available materials such as relevant periodicals, books, articles, and the Internet, and borrowing examples of foreign use of big data credits, a domestic bank was selected as a case to study how banks can make good use of big data and utilize existing credit information. The process brings benefits to the bank. The study found that through the analysis of customer transaction records and consumption patterns through big data, more accurate marketing goals were obtained and products that met customer needs were provided in a timely manner. Secondly, through the exploration of big data , assessing customer credit risk, and analyzing transaction records to determine risks such as money laundering, deception, and fake loan, can effectively reduce the occurrence of losses. The use of big data technology will transform the traditional manual operation process into the new process based on the results of big data analysis, conduct differentiated marketing and services, explore more potential customer needs and business opportunities, and also reduce the occurrence of risks.