Application Research In Network Loan Based On Big Data

The concept of network loan started in the developed countries,thanks to the rapid development of computer technology,network loan platform first emerged in developed countries,the initial network loan business type are the P2 P model.The first network loan platform in China CreditEase,founded in 2006,brought P2 P concept and operation mode to China,and then achieved rapid development and significant success.Under the specially designated economic environment and the Internet financial environment of our country,on the one hand,network loan in foreign experience and innovation,has made great achievements.On the other hand,the domestic Internet giants such as Baidu,Alibaba,Tencent,Jingdong and other enterprises,but also creative in their own business characteristics on the basis of the development of the Internet financial service platform of the network's loan business is unique.After ten years development,the domestic network loan industry has gained the good results that traditional model achieve mature operation,new model develop and innovate,combined with the development of computer technology like big data,cloud computing,in business development,risk control and other aspects embark the way that science and technology lead to the development of the industry innovation.Under the background of big data in the era of the internet,this thesis focus on the present situation of the development of big data industry,in the first aspect,through the interpretation of the concept of big data,big data combined with the practical application case in the network loan,the importance and significance to explore big data of innovation network development loan,and big data technology more efficiently applied to practice to find the theoretical basis and practical basis.Second aspects of application research in the field of big data network loan in developed countries,the application status of the domestic network loan data,combines with the small loans,financial Jingdong,the actual case letter of three companies,the application direction in the network loan and the prospects of the research data,the key point find the big data and network loan business practice,big data innovation and application of the guidance of network loan business,make the research more practical significance in theory,The big data application direction for network loan areas.In practice,the application analysis of the development situation of big data in network loan business,the importance of big data research,big data application development strategy analysis,so that the network loan has theoretical reference in the application level of big data,provide a theoretical basis and practical guidance the development and progress of the era of big data network loan,to promote network loan of Internet Financial Times of continuous development and progress.