Research On Personal Credit Investigation And Its Boundary In A Big Data Environment

Personal credit reporting has been in existence for almost 200 years abroad.Although personal credit reporting has existed in China since ancient times,it has been a matter of recent decades for large-scale commercialization.With the entry of the 21 st century,China's personal credit reporting market has begun to develop rapidly.The Central Bank Credit Reporting Center has established a national financial credit information base database,and has covered a large number of information subjects in China at a faster rate,making credit transactions available for reference.Information.This type of credit transaction has achieved unprecedented development in the outbreak of Internet finance.While accumulating a large amount of credit data,it has also spawned a number of companies engaged in personal credit business.These companies use big data technology and are guided by commercial credit demand.Developed rich credit information products to meet various commercial credit data needs.However,under the stimulation of the big data environment and Internet finance,the personal credit reporting market in China has experienced a period of blindfolded trials.The inherent requirements of business efficiency have caused personal credit agencies to ignore personal information when conducting personal credit reporting services.Protection,there are major problems in the boundaries of personal credit data collection and use.The personal credit information supervision agency has also become more cautious in issuing personal credit information licenses.So far,it has issued a market-based personal credit information license to Baihang Credit,thus forming a "central bank credit + Baihang credit " Such a "government +market" two-wheel drive credit reporting model,but the corresponding supervision policy of individual credit reporting has not made corresponding innovations,making the market-based credit reporting agency's direction in the process of exploring marketization and commercialization ambiguous.develop slowly.This article analyzes the advantages and disadvantages of domestic and foreign credit reporting models to try to answer the model that is suitable for personal credit reporting in China,and combines the characteristics of big data to explain the huge impact of big data on the current personal credit reporting market in China.The next attempt is to explore the data collection and use boundaries that are adapted to different credit reporting modes.