摘要.............................................................................................................................3第一章 绪论................................................................................................................41.1 选题背景及研究意义......................................................................................41.2 论文总体结构.................................................................................................61.3 创新点 .........................................................................................................6第二章 理论基础及文献综述...................................................................................62.1 相关概念.........................................................................................................62.1.1 互联网金融...........................................................................................62.1.2 大数据时代...........................................................................................72.2 理论概述.........................................................................................................82.2.1 精准营销理论........................................................................................82.2.2 消费者心理学理论.....................................................................................102.2.3 客户关系管理理论..............................................................................102.3 文献综述.......................................................................................................102.3.1 大数据营销应用综述..........................................................................102.3.2 大数据应用价值..................................................................................12第三章 互联网金融发展现状及挑战.....................................................................143.1 互联网金融发展现状................................................................