Research On Personal Credit Information Based On Big Data Of Social Network

With the acceleration of the construction of China's credit system and the rapid promotion of the national credit consciousness,China's credit society is speeding up! Among them,the construction of credit information system is an important link in building a credit society.With the development of big data and Internet technology,the connotation and extension of credit information have been greatly expanded.Credit information sources include not only traditional data,such as credit data,but also network behavior data based on Internet transactions and Internet social networking.The application scenario of credit information is not limited to the financial industry,but widely used in all aspects of economic and social life.It can be said that credit investigation has ushered in the era of big data development.Among them,the Internet social data is an important source of credit data.This paper discusses the significance and value of big data to personal credit from the development of big data personal credit industry at home and abroad,and then discusses the impact of big data on personal credit industry through the development of domestic social network industry.Through theoretical analysis,this paper qualitatively discusses the impact of big data on personal credit industry from data collection,data model,data service and other aspects.Through data analysis,based on the traditional "5C" model of credit analysis,this paper innovatively puts forward the "5C" model of network behavior credit analysis,which replaces the "mortgage" element with the "social" element.From the aspects of data acquisition,data model,data service and so on,combined with the examples of Tencent and Alibaba,the domestic Internet giants,it is based on the new "5C" model.Based on the new "5C" model,this paper quantitatively studies and analyses the personal credit information of big data in social networks.This paper draws the following main conclusions: through theoretical analysis,social network big data is a very important source of credit information,which is of great significance to the development of personal credit information business.It can provide more extensive and real data sources,build more dimensional data models,provide more abundant service scenarios,and promote our social credit system and individuals.Personal credit business expands from the financial field to the economic and social fields;through data analysis,big data of network behavior can cover all credit factors,and can be used as a data source of personal credit analysis,with very high integrity.Among them,big data of social network is a very important data source and occupies a high weight;personal credit business tools of Alibaba and Tencent With certain data diversity and business integrity,they can independently carry out their own unique personal credit information business.The two companies have their own superior data sources,but from another point of view,the data sources of Alibaba and Tencent also have their own limitations,resulting in incomplete data and inadequate application scenarios.It is based on these considerations that Baihang Credit Reporting Co.,Ltd.was established.