Abstract
In the field of commercial banks with a huge amount of data, in order to achieve long-term development, we must attach great importance to the application of professional data processing technology. With the gradual opening of the financial market, foreign banks, especially international multinational banks with strong comprehensive strength, have entered the Chinese financial market one after another, which will undoubtedly bring great impact and challenges to Chinese commercial banks. Information mining, as a professional data processing technology, has been widely used in the field of huge data in recent years. The application of information mining in commercial banks can effectively improve the data processing ability and competitiveness of commercial banks. Strengthening the application of information mining is the inevitable choice for commercial banks to develop in the future. Based on information mining, this paper analyzes the economic efficiency and influencing factors of commercial banks. The efficiency of commercial banks is a core part of national commercial banks' pursuit of progress and competition in the global economy. This paper analyzes and studies the efficiency and influencing factors of national commercial banks.
Highlights
In terms of business development, commercial banks have been unable to achieve full license operation
The information processing ability of commercial banks directly affects the competitive level of commercial banks [1]
Through the further integration of factors and measurement methods that interfere with the efficiency of commercial banks can the research on the efficiency of national commercial banks be based on the difference of subjects, which makes the research of bank efficiency more mature
Summary
In terms of business development, commercial banks have been unable to achieve full license operation. In the field of commercial banks with a huge amount of data, we must attach great importance to the application of professional data processing technology in order to achieve long-term development. Coupled with the disadvantages of small market share, weak competitiveness, weak profitability and low asset quality of commercial banks, it is difficult to resist large-scale risks; The weak technological innovation ability and the low level of staff education and skills greatly reduce the operating efficiency of urban commercial banks and limit the healthy and sustainable development of urban commercial banks. The application of information mining in commercial banks can effectively improve the data processing ability and competitiveness of commercial banks. With the rapid development of information technology, banks have accumulated a great deal of data, and in recent years, they have set up data warehouses dedicated to business analysis. The idea of regarding data as an important asset has reached a consensus in Chinese banking industry
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