首先，随着资本市场的不断完善和金融创新的不断发展，银行业务领域和盈利空

First of all, with the continuous improvement of the capital market and the continuous development of financial innovation, the banking business and profit margins are constantly being squeezed. The traditional development model of domestic banks whose income sources are mainly interest and profit growth depends on credit expansion is facing severe challenges. Banks need to transform their business models as soon as possible and look for market opportunities and new business growth points. The application of big data can help banks better realize the accurate positioning of business expansion. Through the analysis and application of customer structured and unstructured data, it can accurately predict the potential needs of the business and make differentiation based on the characteristics of different customer groups. The company’s business development strategy can improve customer engagement and operational efficiency, and provide strong support for the bank’s business transformation.

First of all, with the continuous improvement of the capital market and the continuous development of financial innovation, the field of banking business and profit space are constantly squeezed. The traditional development model of domestic banks, which is mainly based on interest and whose profit growth depends on credit expansion, is facing severe challenges. Banks need to transform their business model as soon as possible to find market opportunities and new business growth points. The application of big data can help banks to better realize the accurate positioning of business expansion. Through the analysis and application of customers' structured and unstructured data, we can accurately predict the potential demand groups of business, and formulate differentiated business expansion strategies according to the characteristics of different customer groups, so as to improve customer adhesion and operational efficiency, and provide strong support for the bank's business transformation.<br>

First of all, with the continuous improvement of the capital market and the continuous development of financial innovation, the banking business field and profit space are constantly squeezed. The traditional development model of domestic banks whose income source is mainly interest and profit growth depends on credit expansion is facing severe challenges. Banks need to transform their business models as soon as possible to find market opportunities and new business growth points. The application of big data can help banks achieve accurate positioning of business expansion. Through the analysis and application of structured and unstructured data of customers, the potential demand groups of business can be accurately predicted, and differentiated business expansion strategies can be formulated according to the characteristics of different customer groups, thus improving customer adhesion and operational efficiency and providing strong support for the bank's business transformation.