System for analyzing influence of Internet finance on traditional business of CB bank

Abstract

The invention discloses a system for analyzing the influence of Internet finance on the traditional business of a CB bank, and the system comprises a data collection module, a data processing module, an influence analysis module, a visual display module, a coping strategy module, and a trend prediction module. The data acquisition module is used for collecting traditional businesses and macroeconomic data of an Internet financial platform and a CB bank, the data processing module cleans, arranges and stores the acquired data, and the influence analysis module analyzes the Internet financial businesses and the traditional banking businesses through comparison. And the influence of Internet finance on the traditional business of the CB bank is researched. By taking a CB bank as an example, the influence of Internet finance on deposit, loan and payment businesses of the CB bank is empirically analyzed from a microscopic perspective; comprehensive theory and practice support is provided by integrating literature, data, comparison and case analysis methods; a specific coping strategy is also provided, and reference is provided for the CB bank and other commercial banks to cope with challenges.

Description

Technical Field

[0001] The present invention relates to the technical field of financial data analysis, and in particular to an analysis system for the impact of Internet finance on traditional CB bank business. Background Art

[0002] In recent years, the rapid development of the Internet has had a significant impact on the financial industry, and Internet finance has emerged. With advanced technology, customer-centric service concepts and novel sales channels, Internet finance has quickly occupied the financial market and impacted the traditional business of commercial banks. As a traditional financial institution, CB banks face many challenges in the Internet financial environment and need to conduct in-depth analysis of the impact of Internet finance on their traditional business in order to formulate response strategies. At present, the research on the relationship between Internet finance and traditional banks is mostly carried out from a macro perspective and mainly remains at the theoretical level. There are few studies on the impact on specific banks and specific businesses. Summary of the invention

[0003] The purpose of this invention is to solve the shortcomings of the existing technology and propose an analysis system for the impact of Internet finance on the traditional business of CB banks. Taking CB banks as an example, this invention empirically analyzes the impact of Internet finance on its deposit, loan and payment business from a micro perspective. It integrates literature, data, comparison and case analysis methods to provide comprehensive theoretical and practical support. It also proposes specific response strategies to provide reference for CB banks and other commercial banks to cope with challenges.

[0004] In order to achieve the above object, the present invention adopts the following technical solutions: An analysis system for the impact of Internet finance on CB bank's traditional business includes a data collection module, a data processing module, an impact analysis module, a visualization module, a response strategy module and a trend prediction module. The data collection module is used to collect Internet finance platforms, CB bank's traditional business and macroeconomic data. The data processing module cleans, organizes and stores the collected data. The impact analysis module studies the impact of Internet finance on CB bank's traditional business by comparing and analyzing Internet finance business and traditional bank business. The trend prediction module predicts the future development trend of Internet finance and its potential impact on CB bank's traditional business by using data analysis and models. The response strategy module proposes strategic suggestions for CB bank to cope with Internet finance challenges based on the impact analysis and trend prediction results. The visualization module uses data visualization tools.

[0005] Preferably, the data collection module uses web crawlers and data interface technology to collect quarterly data on CB bank's traditional business, quarterly data on Internet finance-related business, and quarterly macroeconomic data for the past ten years from Internet finance platforms, CB bank's internal system, and the People's Bank of China website.

[0006] Preferably, the impact analysis module includes theoretical analysis and empirical analysis, and the analysis module studies the impact of Internet finance on the three aspects of deposits, loans and payments of CB bank's traditional business through theoretical analysis and empirical analysis.

[0007] Preferably, the coping strategies include continuing to tap into internal strengths, constantly optimizing own development, making full use of the external environment, and directly facing up to current challenges.

[0008] Preferably, the visualization module displays the analysis results in the form of intuitive charts and reports, which is convenient for bank management and relevant department personnel to view and understand.

[0009] Preferably, the trend prediction module includes establishing a time series model and a regression model, and predicting the future development trend of Internet finance and its potential impact on the traditional business of CB Bank through the time series model and the regression model.

[0010] Preferably, the theoretical analysis includes analyzing the squeeze of Internet finance on the traditional banking market by comparing the differences between Internet financial services and traditional banking services in terms of convenience and information availability; the empirical analysis includes selecting quarterly data on CB bank's traditional business, quarterly data on Internet financial-related business, and quarterly macroeconomic data for the past ten years, conducting modeling analysis from three aspects: deposits, loans, and payments, and performing data regression analysis using Eviews software.

[0011] The present invention has the following beneficial effects: 1. Taking CB Bank as a specific case, this paper comprehensively studies the impact of Internet finance on bank deposits, loans and payment services from a micro perspective combined with empirical analysis.

[0012] 2. Comprehensively apply a variety of research methods, including literature research, data analysis, comparative analysis and case analysis, to provide comprehensive theoretical and practical support for the analysis.

[0013] 3. Propose specific response strategies to provide reference for CB banks and other commercial banks to cope with the challenges of Internet finance. BRIEF DESCRIPTION OF THE DRAWINGS

[0014] Figure 1 This is a structural block diagram of an analysis system for the impact of Internet finance on CB bank's traditional business proposed by the present invention; Figure 2 It is the structural block diagram of the data acquisition module; Figure 3 This is the structural diagram of the impact analysis module; Figure 4 This is the structural block diagram of the trend prediction module. DETAILED DESCRIPTION

[0015] The technical solutions in the embodiments of the present invention will be described clearly and completely below in conjunction with the accompanying drawings in the embodiments of the present invention.

[0016] Reference Figure 1-Figure 4 ,An analysis system for the impact of Internet finance on CB bank's traditional business, including data collection module, data processing module, impact analysis module, visualization module, response strategy module and trend prediction module. The data collection module is used to collect Internet financial platform, CB bank's traditional business and macroeconomic data. The data processing module cleans, organizes and stores the collected data, and uses data preprocessing technology, including data cleaning, removing invalid and erroneous data to ensure data accuracy; data conversion, unifying data in different formats into a format that is easy to analyze; and data normalization, making data of different magnitudes comparable. Through these processing steps, the quality of data is improved, providing reliable data support for subsequent analysis and decision-making. The impact analysis module studies the impact of Internet finance on CB bank's traditional business by comparing and analyzing Internet financial business and traditional banking business. The trend prediction module uses data analysis and models to predict the future development trend of Internet finance and its potential impact on CB bank's traditional business. The response strategy module proposes strategic suggestions for CB bank to cope with Internet financial challenges based on the impact analysis and trend prediction results. The visualization display module uses data visualization tools.

[0017] Among them, the data collection module uses web crawlers and data interface technology to ensure that the data source is extensive and accurate. It collects nearly ten years of CB Bank's traditional business quarterly data, Internet finance-related business quarterly data and macroeconomic quarterly data from Internet financial platforms, CB Bank's internal systems, and the People's Bank of China website. By comprehensively collecting these data, it provides rich and detailed basic information for subsequent analysis.

[0018] Among them, the impact analysis module includes theoretical analysis and empirical analysis. The impact analysis module uses statistical methods, machine learning algorithms, etc., and studies the impact of Internet finance on CB bank's traditional business in three aspects: deposits, loans, and payments. The theoretical analysis includes comparing the differences between Internet finance and traditional banking business in terms of convenience and information availability, and analyzing the squeeze of Internet finance on the traditional banking business market. Internet finance has obvious advantages in attracting customers with its convenient operation process and rich information resources, which makes traditional banking business face huge competitive pressure. The empirical analysis includes selecting the quarterly data of CB bank's traditional business, quarterly data of Internet finance-related business, and quarterly macroeconomic data in the past ten years, and modeling and analyzing from three aspects: deposits, loans, and payments. Eviews software is used for data regression analysis to accurately quantify the specific impact of Internet finance on CB bank's traditional business. This empirical analysis method provides a scientific and objective basis for decision-making for bank management.

[0019] Among them, the coping strategies include continuing to tap internal advantages, constantly optimizing self-development, making full use of the external environment, and facing the current challenges. These strategies cover multiple aspects, including continuing to tap internal advantages, constantly optimizing self-development, making full use of the external environment, and facing the current challenges. In terms of continuing to tap internal advantages, banks can strengthen data management and control, improve risk resistance, and at the same time change their business philosophy, highlight core businesses, and improve their competitiveness. In terms of constantly optimizing their own development, innovative product design based on customer experience can meet the ever-changing needs of customers; actively develop Internet financial business, expand business channels, and improve service levels. In terms of making full use of the external environment, actively innovate Internet thinking and keep up with the pace of the times; strengthen channel construction and improve business coverage and convenience. In terms of facing the current challenges, achieve win-win results through cross-border cooperation, and jointly develop the market with partners such as Internet financial companies; improve the ability to adapt to the external environment and flexibly respond to market changes. Simulate and evaluate different strategies, analyze their feasibility and expected effects, and provide strong support for bank decision-making.

[0020] Among them, the visualization module displays the analysis results in the form of intuitive charts and reports, which is convenient for bank management and relevant department personnel to view and understand, and improves data readability and comprehensibility.

[0021] Among them, the trend prediction module includes the establishment of time series models and regression models to improve the accuracy of predictions. Through time series models and regression models, the development trend of Internet finance in the future and its potential impact on CB Bank's traditional business are predicted. In order to achieve this goal, this module has multiple key links, and the first step is to establish an efficient time series model. The time series model captures the laws and trends of data changes over time, such as seasonal fluctuations and long-term growth trends, by performing time series analysis on historical data, thereby helping to predict the changes in key indicators in the field of Internet finance in the future.

[0022] At the same time, the trend forecasting module also integrates the application of regression models. Regression models can explore the causal relationship between different variables and estimate the degree of influence of independent variables on dependent variables through statistical methods. In the trend forecasting of Internet finance, regression models can be used to analyze how factors such as macroeconomic indicators, changes in user behavior, and the speed of technological innovation affect the development speed and scale of Internet finance, and then predict how these external factors indirectly affect the traditional business areas of CB Bank, such as deposit and loan business, payment settlement, and financial services.

[0023] In order to improve the accuracy of the forecast, the trend forecast module also adopts a variety of optimization strategies. On the one hand, the machine learning algorithm is used to train and optimize the time series model and regression model, so that the model can automatically identify and learn the complex patterns and nonlinear relationships in the data, reducing the forecast error. On the other hand, through cross-validation, model fusion and other technical means, the forecast results of multiple models are integrated to improve the robustness and reliability of the overall forecast.

[0024] In addition, the trend prediction module also focuses on real-time updating and dynamic adjustment of data. With the rapid development of the Internet financial market and changes in the external environment, the data sources and parameter settings required by the model need to be continuously updated to ensure that the prediction results can reflect the latest market dynamics and trends in a timely manner.

[0025] The present invention can be explained by the following operation mode: 1. Data collection: Determine the source and scope of data collection, including websites such as Internet financial platforms and CB Bank internal systems. Use advanced technologies such as web crawlers and data interfaces to collect data regularly, and perform detailed data cleaning and organization to ensure data quality and accuracy.

[0026] 2. Data processing: Store and manage the collected data and establish an efficient database. Use data preprocessing techniques, such as data cleaning, data conversion, data normalization, etc. to further improve data quality and provide a reliable data foundation for subsequent analysis.

[0027] 3. Impact analysis; ① Theoretical analysis: Compare the differences between Internet finance and traditional banking business in terms of convenience, information availability, etc., and deeply analyze the reasons and mechanisms for Internet finance to squeeze the traditional banking business market; ② Empirical analysis: Select the quarterly data of CB Bank's traditional business, quarterly data of Internet finance-related business, and quarterly macroeconomic data for the past ten years, and conduct modeling analysis from the three important aspects of deposits, loans, and payments. Use Eviews software for data regression analysis to accurately quantify the degree of impact.

[0028] 4. Trend forecast: We selected the quarterly data of CB Bank’s traditional business, Internet finance-related business and macroeconomic data for the past ten years, and conducted modeling analysis from three important aspects: deposits, loans and payments. We used Eviews software to conduct data regression analysis to accurately quantify the degree of impact.

[0029] 5. Response strategy: Based on the impact analysis and trend forecast results, put forward comprehensive strategic recommendations for CB banks to respond to the challenges of Internet finance. Conduct simulation evaluations on different strategies, analyze their feasibility and expected effects, and provide scientific basis for bank decision-making.

[0030] 6. Visual display: Use data visualization tools to display analysis results in the form of intuitive charts, reports, etc., which is convenient for bank management and relevant department personnel to view and understand, and improve decision-making efficiency.

[0031] The above are only preferred specific implementation modes of the present invention, but the protection scope of the present invention is not limited thereto. Any technician familiar with the technical field can make equivalent replacements or changes according to the technical solutions and inventive concepts of the present invention within the technical scope disclosed by the present invention, which should be covered by the protection scope of the present invention.

Claims

1. An analysis system for the impact of Internet finance on the traditional business of CB banks, including a data collection module, a data processing module, an impact analysis module, a visualization display module, a response strategy module and a trend prediction module, characterized in that: The data acquisition module is used to collect Internet financial platforms, CB bank's traditional business and macroeconomic data. The data processing module cleans, organizes and stores the collected data. The impact analysis module studies the impact of Internet finance on CB bank's traditional business by comparing and analyzing Internet financial business and traditional banking business. The trend prediction module uses data analysis and models to predict the future development trend of Internet finance and its potential impact on CB bank's traditional business. The response strategy module proposes strategic suggestions for CB bank to cope with Internet financial challenges based on the impact analysis and trend prediction results. The visualization display module uses data visualization tools.

2. The analysis system for the impact of Internet finance on the traditional business of CB banks according to claim 1 is characterized by: The data collection module uses web crawler and data interface technology to collect CB Bank's traditional business quarterly data, Internet finance-related business quarterly data and macroeconomic quarterly data from the Internet finance platform, CB Bank's internal system and the People's Bank of China website.

3. The analysis system for the impact of Internet finance on the traditional business of CB banks according to claim 1 is characterized by: The impact analysis module includes theoretical analysis and empirical analysis. Through the analysis module, the impact of Internet finance on CB bank's traditional business in deposits, loans and payments is studied.

4. The analysis system for the impact of Internet finance on the traditional business of CB banks according to claim 3 is characterized by: The coping strategy module includes continuing to tap into internal advantages, constantly optimizing own development, making full use of the external environment, and facing up to current challenges.

5. The analysis system for the impact of Internet finance on the traditional business of CB banks according to claim 1 is characterized by: The visualization module displays the analysis results in the form of intuitive charts and reports, which are convenient for bank management and relevant department personnel to view and understand.

6. The analysis system for the impact of Internet finance on the traditional business of CB banks according to claim 1 is characterized by: The trend prediction module includes establishing a time series model and a regression model, and predicting the future development trend of Internet finance and its potential impact on the traditional business of CB Bank through the time series model and the regression model.

7. The analysis system for the impact of Internet finance on the traditional business of CB banks according to claim 3 is characterized by: The theoretical analysis includes analyzing the squeeze of Internet finance on the traditional banking market by comparing the differences between Internet finance and traditional banking in terms of convenience and information availability. The empirical analysis includes selecting CB Bank's quarterly data on traditional business, quarterly data on Internet finance-related business, and quarterly macroeconomic data, and conducting modeling analysis from three aspects: deposits, loans, and payments, and using Eviews software for data regression analysis.

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