Research On Optimization Of Jingdong's Personal Credit Investigation Model Based On Internet Finance

In the new social environment,the Internet and intelligent technology are constantly improving,which promotes the diversified development trend of the application scenarios of big data credit investigation.Correspondingly,the development pattern of the traditional credit investigation industry has undergone great changes.The big data credit investigation has gradually extended to all aspects of the life field.Under the background of Internet finance,the booming development of big data has greatly expanded the sources of credit data,effectively promoted the integration and development of traditional personal credit and Internet financial credit.With the help of cloud computing and big data,personal credit information system has been achieved extensive data coverage and real-time updates opening up a whole new situation in China's personal credit system building.However,we must soberly realize that although the personal credit investigation model based on Internet finance shows a great difference from the traditional ones,it could not fundamentally deviate from the financial domain and credit information problems.The innovation brought by the development of the internet and big data technology can be seen as big progress about the operation mode but has little to do with risk avoidant issue,therefore,the prevention of the risk problem still is the most important concern.The interest level of personal credit investigation mode based on Internet financial has gradually increased,and the convenience of its information and technology applications has changed the people's productivity and living habits.However,with the continuous expansion of its development and impacts of many factors,the shortcomings of the operations of current mode are constantly emerging.Therefore,in order to explore the problems in the context of Internet finance,such as insufficient construction of personal credit information system,information asymmetry,etc.,this article attempts to propose targeted solutions and measures to strengthen domestic personal credit construction,building up a solid foundation for the development of Internet finance and personal credit investigation industry.This research uses a variety of research methods,such as literature research,case analysis method,comparative analysis and inductive analysis method,to sort out the research background and research meanings of the personal credit investigation model in the context of internet finance,and summarize the relevant theoretical basis and literature review.Jingdong white strip is selected as a research case to further analyze the innovation experience of the new personal credit information model.First of all,based on the current status of China's personal credit investigation model,it can be seen that the construction starts late and more rely on the public credit system.Compared with the traditional personal credit information model,the one improved by the development of internet finance has more advantages,such as an information-sharing platform,diversified application scenarios,convenience,and real-time advantage.But what needs to be admitted is that the hidden dangers and risks in the information security field,the complexity of credit risks,and the imperfect market development have made the shortcomings of the operation of the Internet-financial personal credit investigation model gradually appear.Secondly,Jingdong white strip is selected as the research case to explore the current situation of the new personal credit information mode.On this basis,the problems,which include the incomplete collection of personal credit information,the insufficiency of high-quality information,the imperfect risk control system and the narrow application context are explored.Finally,based on the above analysis,this article points out the reform plan of the personal credit information system based on Internet finance.On the one hand,it proposes to expand data collection channels,optimize single data acquisition methods,access credit information and results to credit centers,and enrich application scenarios with individuals.On the other hand,establishing a diversified personal credit information market,using big data technology to improve the quality of credit information,strengthening the construction of the protection system of personal credit rights,improving the environment of the credit investigation system with internet finance,building a perfect credit sharing mechanism,and optimizing the supervision system could also be good suggestions,which ensure the stable and sustainable operation of the Jingdong white strip,which is the most representative practice of the new personal credit investigation model.