A cross-country comparative analysis of data finance applications under the background of Chinese and Korean culture
中韩文化背景下数据金融应用的跨国比较分析

摘要

随着数据金融业务的发展和全球化进程的加快，不同文化背景下的数据金融应用日益受到关注。本研究选取具有代表性的中韩两国作为跨国比较分析的对象，旨在揭示中韩文化差异对数据金融应用的影响。研究采用跨文化理论作为分析框架，结合数据挖掘和文本分析技术，收集并分析两国金融机构的数据金融产品和服务案例。通过实证调查，该研究描绘了两国在个人信息保护、数据挖掘技术使用程度、金融产品创新与风险偏好等方面的异同，并结合每个国家的文化特性解释了这些差异。研究结果显示，韩国在个人信息保护方面实施更为严格的政策，而中国在数据挖掘技术的应用上具有更大的开放性和灵活性。此外，中国的数据金融产品更注重创新与多样化，韩国则在风险控制和产品稳定性上下更多工夫。总结了两国数据金融应用中的核心问题，包括数据安全、隐私保护、跨文化用户体验设计等。本研究不仅丰富了文化差异与数据金融应用结合的理论研究，而且提供了金融机构在面向不同文化背景用户时数据产品设计的策略建议。

Abstract

As the development of data finance business and the acceleration of globalization progress, the applications of data finance under different cultural backgrounds are increasingly attracting attention. This study selects representative China and South Korea as the subjects for cross-national comparative analysis, aiming to reveal the impact of cultural differences between China and South Korea on the application of data finance. Using cross-cultural theory as an analytical framework, and combining data mining and text analysis techniques, the study collects and analyzes cases of data finance products and services from financial institutions in both countries. Through empirical surveys, the research depicts the similarities and differences between the two countries in aspects such as personal information protection, the extent of data mining technology usage, and the innovation and risk preferences of financial products, and it interprets these differences in light of each country's cultural characteristics. The results show that South Korea implements stricter policies on personal information protection, while China exhibits greater openness and flexibility in the application of data mining technologies. Moreover, China's data finance products are more focused on innovation and diversification, while South Korea puts more effort into risk control and product stability. The study summarizes core issues in the application of data finance in both countries, including data security, privacy protection, and cross-cultural user experience design. This research not only enriches the theoretical study of the combination of cultural differences and data finance application but also provides strategic recommendations for financial institutions on data product design for users from different cultural backgrounds.