The Research For Personal Credit Investigation System In Background Of Big Data

Personal credit investigation refers to the activity that the legal personal credit agency collects and processes personal information,as well as retrieving and evaluating according to subscribers.The personal credit agency processes information collected from legal channel and then provides personal credit records to the legal inquirer in the form of personal credit report.The credit investigation industry has grown remarkably and the big data credit investigation based on the internet has received much attention,especially in the background of internet finance rise.Compared to traditional personal credit investigation,the big data personal credit investigation owns more advantages.However,as a new tool,it possesses many problems which are necessary for people to research and solve.Zhima Credit is one of the third party institutions that are initially licensed to conduct personal credit investigation,so Zhima Credit(a subsidiary of Ant Financial)is a representative case for studying and researching.The present thesis conducts the research mainly by literature retrieves and field survey,and analyzes the case of Ant Financial in several logical ways,such as chart analysis,cause and effect analysis,contrastive analysis etc.The analysis will cover the characters and special evaluation system of Zhima Credit.Furthermore the thesis will bring forward the current parts which need improvement,as well as the original proposals from the author.