Research On Enterprise Credit Evaluation Based On Big Data

With technological change have expanded,and the development of small and medium-sized enterprises,the contradiction between financial services and fund demand of small and medium-sized enterprises have become increasingly prominent.How to solve the diversification of credit services,speed,improve the rationality and effectiveness of risk control is particularly important.With the improvement of informatization,the continuous development of the Internet,mass data is increasing,how to use these data and control services for the wind,various services of financial institutions,improve the competitiveness and vitality.At the same time,how to restrict and regulate the credit behavior of enterprises,and enhance the importance of enterprises and individuals for the integrity of the urgent.Based on the analysis of the traditional credit evaluation,combined with the status quo of big data development credit,enterprise credit evaluation model is proposed based on big data,aims to integrate into the basis of credit data using massive data seemingly unrelated disorder,with the means of computer optimization and efficiently given credit decision.At the same time,in view of the current actual situation,from the policies and regulations,supervision,personnel training,service,business scope and other aspects of the construction of large data credit system.Want to explore a set of effective ways and means of behavior guidelines for financial institutions in terms of large data credit.