Research On Internet Financial Personal Credit System Based On Big Data

In recent years,with the rapid development of internet finance,financial ecology has formed two basic models:thefinancialization of internet companies and the Internet of Financial Enterprises.Compared with the reform and development of the whole financial ecology,China's credit system is obviously slow and imperfect.So the potential risks and regulatory problems are constantly exposed to public.The sustainable development of Internet finance requires a healthy credit environment,which is based on full,effective and symmetrical information.The continuous "closed down" of network credit enterprisesexposed the imperfect regulation of the Internet financial and backward credit system establishment,which is not conducive to the growth of Internet finance.As soon as possible to build a sound Internet financial credit system is urgent.This article will focus on this subject to discuss the initial,and to give relevant recommendations related to regulate and enhance the Internet's financial credit industry.This article puts forward the importance of perfecting the personal credit information system of internet finance by analyzing the problems,the characteristics of big data and big data credit in the first.Via comparing the model of foreign credit information system,the article raise our future internet financial credit information system should be dominated by government department and mercerized together.Then,the paper introduces the current situation of Internet finance in China,the development of big data credit and its advantages and disadvantages.Then,it also introduce the basic principles of personal credit evaluation methods and the corresponding mathematical models respectively.Through comparing the simulation for actual financial data of neural network and logistics method,it's to get the effective personal credit risk assessment method.In the last,the article puts forward the countermeasures of constructing the perfect credit index system by analyze the existing traditional financial and internet financial credit system(taking the ant gold service as an example).