Big Data Technology and financial integration development strategy

Abstract：The development of Big Data Technology and financial integration has produced all kinds of new financial business， which has a profound impact on modern financial operation mechanism， financial risk management system and human life style. At present， the development of Big Data Technology and financial integration in various countries is still at an exploratory stage， china has a good foundation in the economic and financial environment， financial data resources and supporting policies of the integration development of big data technology and finance， to take the lead in achieving its healthy and rapid development， we need to implement a series of policy measures to promote the development of big data technology and financial integration guarantee.

Key words：Big Data Technology;convergent development;Financial Sunac; wind control of big data

1.Strengthen the top-level design， improve the relevant support and guidance policies

The development of Big Data Technology and financial integration forms various new financial business， and its industry development and application of financial big data analysis and mining technology lack of overall planning. The inherent boundary between different financial institutions and different financial operations and the limitation of their thinking mode make it difficult to share， integrate and manage all kinds of financial big data. Therefore， it is necessary to adopt a systematic approach， from the overall perspective of modern financial development， planning and top-level design of the technology realization mechanism， industrial chain， value chain， market demand， industrial layout and other elements， aspects and levels that promote the development of Big Data Technology and financial integration [16， 17， to the massive financial big data resources for mining， analysis， organization and management， to maximize its value. Financial institutions should organize the forces of industry， education and research， pool the wisdom of society， market， government and other parties， and work out a strategic development plan for the big data financial industry， we will improve the system for ensuring the development of the big data financial industry and the policy system for supporting and guiding it. The concrete methods are as follows： first， carry on the top-level design to the development of Big Data Technology and financial integration， make clear the goal， key point， path and requirement of the development of Big Data Technology and financial integration; To formulate a development plan for big data technology and financial integration， and to improve the policies for supporting and guiding the development of Big Data Technology and financial integration， so as to create a sound policy environment for the development of Big Data Technology and financial integration.

2.Construction and application of standards and safety norms， the construction of an analytical ecosystem

In order to promote the integration of big data technology and finance， it is necessary to speed up the construction of application standards and safety norms of big data in finance industry， and construct a perfect financial big data analysis ecosystem. However， currently， financial big data analysis platforms and analysis tools continue to emerge， and the application of big data in the financial industry standards and security norms are different， the lack of a unified collection， reception， storage， transmission， analysis， processing standards， security specifications and sharing platform， increased the financial big data analysis and value discovery and application services difficult [18] . The lack of consistency between application standards and safety norms also leads to the lack of sustainability in the development of financial big data analysis platforms， analysis tools and analysis techniques， and the failure to form an ecosystem to support financial big data analysis， it brings great financial security risk to financial big data analysis and application. Therefore， it is a basic work to establish the application standard and safety standard of big data analysis technology in financial industry， it is also the important work of financial big data analysis application and ecosystem construction evaluation， test and industrialization.

3.Pay attention to technology research and development， improve the efficiency of data analysis and asset needs management level

In order to promote the integration of big data technology and finance， we should also pay attention to the research and development of financial big data mining and analysis technology， and improve the analysis efficiency of financial big data and the management level of financial data assets. The value of financial big data lies in the application of financial field. The key to realize it is the technology of full fusion and deep mining of multi-source and heterogeneous financial big data. Only according to the special logic relation of modern finance， organize and manage the financial big data in order， combine the demand of the actual financial application scene， apply many kinds of big data analysis technology and mining method， in order to improve the analysis efficiency of financial big data and the management level of financial data assets， financial institutions need to pay attention to the research and development of financial big data mining and analysis technology.

Strengthening the R & D capability of big data analysis technology in financial institutions will help the automation and intelligentization of financial management， significantly improve the efficiency of financial institutions and reduce their operating costs， improve the efficiency of financial institutions to analyze financial data and financial data asset management level.

Reference

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[2]Wu Xiaoqiu. Internet finance： The Logic of growth [ J ] . Finance and Trade Economics， 2015（2） ： 5-16.

[3]Yao Guozhang， Zhao Gang. Research on internet finance and its risks [ J ] . Journal of Nanjing University of Posts and Telecommunications， 2015（2） ： 8-22.

作者简介：许浩天（2002.6.25）男，汉族，北京市，本科，北京金融科技学院，邮编101118，研究方向：金融学。