Research On The Application Of Big Data In Internet Financial Credit Information

With the rapid development of Internet technology, the rapid development of China’s Internet financial support also social networking, big data, cloud computing and search engine technologies. Various financial institutions and Internet companies also have access to the Internet the financial industry, develop new business, achieve financing, payment services and information intermediaries. Although the rapid development of Internet banking to China’s financial industry has brought new ideas and a new approach to development, but has thus brought many uncertainties and risks. China’s Internet banking in its infancy, there are many problems in the development, regulatory and operational product innovation, accuracy and compliance, traditional financial risk control system has been insufficient to monitor financial risks that exist in the Internet and want to control good Internet financial risks, the need for comprehensive Internet financial risk control system as a safeguard.According to the financial characteristics of the Internet, the traditional credit slow, inefficient, narrow coverage, has been unable to meet business needs. Development of Big Data technology, the sources of information gathered every possible data form the basis of credit analysis, financial credit system for building Internet guidelines a new direction. The original disorganized, numerous large amount of information, re-sort, data integration, effective match to become more accurate, more predictable credit data. Internet is to rely on financial support large data, so the credit system associated with it also stems from big data technology, the Internet can be said that the big financial and credit data is highly integrated, big data technology is the common foundation.In this paper, the importance and the risks faced by financial development of the Internet start with, proposed the establishment of the Internet for financial new sound credit system. Which describes the status of the big advantages of credit data and used in the Internet field of financial risk control, in order to finance Alibaba and other Internet companies, for example, summed up Ali explore financial data on a large credit, thus analyzes the big data credit difficulties encountered and problems to be solved. In ZestFinance example, discusses the foreign Internet companies and large financial credit practice application data summarized ZestFinance use large data model and the main advantages of credit, we discuss the implications of this new model for China’s credit industry. On this basis, proposed the establishment of protection mechanisms in line with large credit data, and build diverse underlying database, to raise awareness of social credit of big data, government and society to promote open sharing of information resources, emphasis on the use of big data governance and other suggestions..