数据是现代商业银行最重要的资产，商业银行应该树立数据思维，依据数据制定

Data is the most important asset of modern commercial banks. Commercial banks should establish data thinking, formulate strategies based on data, and use data to discover, analyze, track, and solve problems. Commercial banks should obtain more data to the greatest extent through multiple channels. These data include not only internal data of commercial banks, but also external data. At the same time, commercial banks have a large amount of customer data, but most of them are not effectively used. The main reason is that the data is fragmented and dispersed in different business systems. Therefore, commercial banks need to integrate these data, Mining and using data, and exerting the maximum value of data through implementing top-down unified data management. Commercial banks need to use financial technology to build their own data analysis capabilities. First, although commercial banks have a lot of data information, they still need to accumulate more data information, so commercial banks should expand their data sources. Commercial banks can expand their data sources to obtain data by cooperating with fintech companies. At present, commercial banks have increased their cooperation with financial technology companies, and their main purpose is to achieve data sharing. Second, build a professional data analysis team. The professional data analysis team can analyze the data, integrate and analyze massive amounts of data, link the useful data together, complete the portrait of the target customers, and thus improve the data forecasting ability of commercial banks. Third, to achieve intelligent data analysis. The key to data analysis capabilities should be real-time capabilities and front-end capabilities, which requires commercial banks to have data interaction capabilities and a complete data governance system. Therefore, the data analysis capabilities of commercial banks should play an important role in all aspects, and gradually change past experience decisions to achieve data decisions

Data is the most important asset of modern commercial banks, commercial banks should set up data thinking, according to data to develop strategies, with data to find, analyze, track and solve problems. Commercial banks should obtain more data, not only internal data from commercial banks, but also external data, which should be accessible through multiple channels and to the greatest extent. At the same time, commercial banks have a large amount of customer data, but most of them have not been used effectively, the main reason is that the data are separated from each other and scattered in different business systems, so commercial banks need to integrate, mine and use the data, through the implementation of top-down unified data management to play the maximum value of data. Commercial banks need to use fintech to build their data analytics capabilities. First, although commercial banks themselves have a large amount of data information, but still need to accumulate more data information, so commercial banks should expand their data sources. Commercial banks can expand their data sources to obtain data by working with fintech companies. At present, commercial banks have increased cooperation with fintech companies, the main purpose is to achieve data sharing. Second, build a professional data analysis team. Professional data analysis teams can improve the data foresight of commercial banks by analyzing data, integrating large amounts of data, linking useful data together, and making complete portraits of target customers. Third, realize the intelligent data analysis. The key of data analysis ability should be real-time ability and front-end ability, which requires commercial banks to have data interaction ability and complete data governance system. Therefore, the data analysis ability of commercial banks should play an important role in all aspects, and gradually change the past experience decision-making, to achieve data decision-making

Data is the most important asset of modern commercial banks. Commercial banks should set up data thinking, make strategies based on data, and find, analyze, track and solve problems with data. Commercial banks should obtain more data from multiple channels and to the greatest extent. These data include not only internal data, but also external data. At the same time, commercial banks have a large number of customer data, but most of them have not been effectively used. The main reason is that the data are separated from each other and scattered in different business systems. Therefore, commercial banks need to integrate, mine and use the data, and play the maximum value of the data through the implementation of top-down unified data management. Commercial banks need to use financial technology to build their own data analysis capabilities. First, although commercial banks have a large amount of data information, they still need to accumulate more data information, so commercial banks should expand their data sources. Commercial banks can expand their data sources to obtain data through cooperation with fintech companies. At present, commercial banks have increased cooperation with financial technology companies, the main purpose of which is to achieve data sharing. Second, build a professional data analysis team. The professional data analysis team can analyze the data, integrate and analyze the massive data, link the useful data together, make a complete picture of the target customers, and improve the data foresight ability of commercial banks. Third, realize the intelligent data analysis. The key of data analysis capability should be real-time capability and foreground capability, which requires commercial banks to have data interaction capability and complete data governance system. Therefore, the data analysis ability of commercial banks should play an important role in all aspects, and gradually change the past experience decision-making to achieve data decision-making<br>