基于数据智能的商业银行个人财富管家框架模型研究
Data Intelligence-Based Personal Wealth Management Framework Model for Commercial Banks

数据智能具有帮助商业银行节约成本、提高效率，有助于商业银行内部治理、防范风险，帮助银行发展客户、促进营销等功能。论述了当前数据智能在商业银行应用的现状，利用应用实例说明了数据智能的作用明显，围绕原理以及改进空间提出了数据智能在商业银行的发展趋势。针对商业银行的业务痛点展开讨论，并提出了个人财富管家的框架模型。该框架主要包括个人客户分析、整体客户分析以及业务推荐三个部分。分别对三个部分的原理及目的展开了详细讨论，并针对个人客户分析以及整体客户分析部分展开了具体的实证展示。本文认为该框架模型可以为商业银行在数据智能应用方面起到启迪作用。
Data intelligence can help commercial banks to save costs and improve efficiency, and it is helpful for the internal governance of commercial banks, risk prevention, help banks to develop customers, promote marketing and other functions. This paper expounds the present situation of the application of the data intelligence in the commercial banks, illustrates the obvious effect of the data intelligence by using the application examples, and puts forward the development trend of the data intelligence in the commercial banks around the principle and the improvement space. This paper discusses the business pain points of commercial banks, and puts forward a framework model of personal wealth steward. The framework mainly includes three parts: individual customer analysis, overall customer analysis and business recommendation. The principle and aim of the three parts are discussed in detail, and the concrete demonstration of the individual customer analysis and the whole customer analysis is presented. In this paper, the framework model can be used for commercial banks in data intelligence applications to play an enlightening role.