Data Mining In Credit System Of Internet Finance

In recent years,“Yu E Bao” and “P2P” as the representative of the Internet finance developed with positive strength and increased risk.For a long time,the lack of the credit consciousness from Chinese Society,led the Internet finance business into a happy growing but risky situation.The risk control has become the top priority.Although the bank credit system is relatively complete,but cann't cover all social members,some enterprises and people did not record in the bank loan,how to credit?And all the China's state-owned banks credit data has not been opened to the Internet finance industry which is dominated by private enterprises.So how to establish an effective credit system for the Internet financial industry is worth to discuss and research at present.The State Council has issued the document named " Social credit system construction plan(2014 to 2020)",announcing that within a few years it is required to establish a complete credit evaluation system to rate the enterprise service management behavior,and the personal online behavior with credit record stored in the database.The future credit model is likely based on these records for data mining.And all financial companies including P2 P can access the credit system,correspondingly the risk control and management will become realized.This paper tried to establish a complete credit evaluation model for companies and persons with the advanced techniques and algorithms,such as Cloud computing and BP Neural network.In the model,the credit rating is based on the quantitative analysis from the information of companies and persons,as long as the analys is based on the companies' operation and service behavior,personal on-line behavior etc.