Analysis of the environmental trend of network finance and its influence on traditional commercial banks

Construction and Application of the Online Finance Credit Risk Rating Model Based on the Artificial Neural Network

“…Some scholars have analyzed the credit transformation of banks in the context of online finance development [17][18][19][20][21]. Considering the regulating effect of online finance, Xu et al [22] evaluated the influence of green credit measures on bank performance, constructed an evolutionary game model for the online finance enterprise and loan enterprise, and verified that online finance can effectively weaken the influence of green credit on bank performance. Fayyaz et al [23] conducted big data analysis on the financial data before, during, and after online finance credit products are issued to SMEs, summarized the big data warning conditions (including risk process and internal evaluation application system, banking operation system, data warehouse platform, risk data market, capital metering, and decision support system), and constructed a risk management and warning system based on the analysis results.…”

A Research of Development Strategy of Retail Business at Bank of China Gansu Branch

“…Although the Bank of China Gansu Branch has been vigorously promoting the channel construction work, not only the expansion of a large number of outlets, but also gradually formed a line of outlets and online banking and other direct and indirect channels coexist pattern [4] . But in a large part of the many outlets are just playing the role of savings, usually only for deposit and withdrawal business, wealth management business and other simple business, other retail business is often only to the business of a variety of higher-level institutions, so The establishment of business outlets did not give full play to its due role, nor to achieve the desired level of customer convenience.…”

Examining the research taxonomy of artificial intelligence, deep learning & machine learning in the financial sphere—a bibliometric analysis

“…OECD 2021 1 substantiated that the deployment of AI and its assisted technologies in finance is expected to drive the competitive advantages of financial firms by increasing the quality of services and products offered to consumers. With the escalating volume of data and persistent growth in computational power and storage, conventional hedge funds and banks, as well as emerging fintech service providers, have begun deploying these machine algorithms in their regular activities (Carbonneau & Godin 2021 ; Xu et al 2020 ; Yeh & Chen 2020 ).…”