Development And Application Of Personal Credit Risk Measurement System Under The Background Of Internet Banking

The background of the rapid development of Internet technology,the Internet financial platform to Alipay,WeChat as the representative of the payment is the rapid rise of the formation of fundamental changes in the traditional financial services.With big data,cloud computing technology,the rapid rise of Internet financial platform,and won a space for one person in the financial sector,howev er,due to the complex behavior of Internet users,the huge amount of data to the credit risk of individual Internet financial background measurement caused great difficulty,to enhance the accuracy and efficiency of the user credit evaluation has become a problem to be solved in the current development of Internet financial platform.Subject to the wing payment as the research object,based on the data mining theory,development tools for the establishment of a B/S framework,Web workflow engine management platform based on the ASP.Net,a user transaction database as the middle layer,Web as the three tier architecture development model to the foreground,simulated sample data through the trading system of Internet financial platform selection WEKA data mining platform for data mining,developed to meet the credit risk of individual Internet financial environment demand measurement system.Firstly,for the important practical value of background and significance of the topic and look forward to the introduction,and now the existing research results,the ideas and methods of this study leads;second describes the mining methods used in the process and the basic principle and thought in the data,and its application in future,lay a theoretical foundation for the full text research;analysis and discussion again around the two analysis methods of the detailed process of analysis and research,mining association rules and clustering more specific methods;and then discusses the practical feasibility of data mining technology in the research object and the concrete operation process,realization of personal credit risk on the Internet Financial platform measurement software are introduced,and analysis of the feasibility of the system through the test;finally carries on the summary and reflection of the whole research process,to fully tap the research Potential.Test results show that the function of the module in the system is running normally,and the credit rating can be achieved.This study obtained the basic process and mode analysis of personal credit data based on data mining,using Weka platform in two times the development and interpretation of personal credit risk,the application of data mining technology in the analysis of personal credit data,to meas ure accuracy and efficiency and provide a theoretical reference to customer credit risk the Internet Banking platform.