Commercial Bank Personal Credit Score Index System Innovation Research In The Era Of The Internet+

Content: In recent years,the progress of science and technology,information technology and the advent of the era of "Internet +" make great changes in people’s behavior mode.People shopping and traveling more rely on Internet platforms.Such behavioural changes have spawned many Internet services,and financial services have become an integral part of this army of services.As a "new bud" with the rapid growth of Internet finance,inclusive finance and big data,personal credit is successfully placed on the "topic of focus".The current personal credit registry is not only one of the traditional credit problem,it conform to the changes in the individual behavior pattern,various behavior of individuals on the Internet will also be considered as an important element.As a quantitative reflection of personal credit,personal credit score will eventually lead to reform and innovation.Traditional personal credit score is mainly based on the center of the central bank personal credit registry query report for leadership,identity verification on the ministry of public security information,bank credit,some non-bank credit information and other data information form of personal credit scoring system.In addition to the personal credit rating agency,the personal credit rating agency,some Internet personal credit information platforms have been developed,such as sesame credit,tencent credit,etc.But because of lack of correlation between agencies,and with the traditional personal credit reporting center query report unrealized good docking,which makes our country the current personal credit score apart,not unified,not comprehensive.This article mainly aims at the present problems existing in the development of personal credit scoring system,trying to individual credit reporting system on the basis of the original optimization improvement,cooperating to the Internet reference data access personal credit scoring system,and add appropriate to cut the selected indicators,and to form a unified,strong correlation,sharing personal credit scoring system.The thesis is divided into five chapters:The first chapter is the introduction,and discusses the background,significance,method,innovation points and shortcomings of this paper.The second chapter is the relevant concepts and theoretical basis,first of all,the creditand credit score is defined in the scope of this article,secondly,some related theories related to this paper are discussed.The third chapter analyzes the shortcomings of the current score,the superiority of the new index system and the feasibility of the new index system.Chapter 4 under the guidance of the thought,put forward the construction of "Internet +" in the era of personal credit scoring index system of scheme,this scheme mainly from the operation mode,the index system is built and system application in three aspects.The fifth chapter is about the current situation of credit development in China,and points out the obstacle of implementing the new personal credit scoring index system,and puts forward some countermeasures.