Research On Credit Evaluation Of Huazhen Financial Personal Creditbased On Big Data

Personal credit level is a key factor in evaluating whether to issue personal credit.By using reasonable and effective credit score indicators to quantify the individual's credit score,it is possible to accurately obtain the individual's social credit level,determine personal credit risk,and reduce transaction costs.Therefore,scientific personal credit credit evaluation is very important for financial enterprises to reduce non-performing loan ratio,avoid credit risk and improve profitability.With the development of Internet finance,especially for new financial enterprises,due to the lack of customer historical data,traditional credit evaluation methods can no longer meet the needs of financial institutions.This credit evaluation based on big data is more important.Taking the personal credit credit of Huazhen Financial as the research object,this paper proposes a personal credit credit evaluation method based on big data,which can solve the problem that Huazhen Financial cannot accurately evaluate its personal credit credit by relying on traditional credit evaluation methods.The paper first analyzes the characteristics of Huazhen Finance's existing customer groups.On this basis,it analyzes the relationship between Huazhen Financial's identity traits,credit history,personal connections,historical behavior and customer credit.Based on the above analysis,the feasibility of evaluating customer credit based on big data is determined and the basic idea of evaluating customer credit credit based on big data is determined.According to the characteristics of big data indicators that may affect customer credit,a database of personal credit credit evaluation indicators based on big data is determined through theoretical analysis,interviews with practitioners and expert opinions,and then the application of Huazhen in the index database is selected through Delphi analysis.The credit evaluation index of finance has established a corresponding evaluation index system.The evaluation model was designed by means of literature analysis,fuzzy comprehensive evaluation and analytic hierarchy process.According to the evaluation method designed,the paper obtains the customer credit rating and designs the credit strategy.Finally,the paper puts forward the countermeasures to improve the accuracy of Huazhen Financial's personal credit credit evaluation,including improving the credit database and improving the quality of personnel handling personal credit business.