Study On Credit Information Resource Sharing In The Big Data Era

Credit information resources are the cornerstone of building a trustworthy society.Our country initially focused on traditional credit records generated by bank credit transactions,establishing a basic database of financial credit information and sharing it in the banking system.The basic database of financial credit information includes two parts: the basic database of corporate credit information and the basic database of personal credit information.Later,with the advancement of the government data sharing process,the database gradually increased the scope of other information collection,and our country's initial social credit system also took shape.In the era of big data,the subject and scope of credit information resource collection are constantly expanding.In the era of big data,credit information resources have played an important role in government governance,market economy development and public life.With the ceaseless improvement of the social credit system in the era of big data,the social demand for credit information resource sharing is increasing.Directing against the problem of credit information resource sharing in the era of big data,starting with theoretical analysis,analyze the effectiveness and existing problems through current situation investigation,and finally propose corresponding strategies.Based on the analysis of the concepts related to credit information resource sharing in the big data environment and the related theories introduction of information resource sharing,using literature research methods,network research methods,comparative research methods,comprehensive induction methods and other methods to mainly discusse the current situation of credit information resource sharing in the era of big data in China from two aspects: internal sharing and cross system sharing.The credit information resource sharing within the system mainly includes the credit information resource sharing of financial system and other systems in the era of big data;Cross system sharing mainly investigates the credit information resource sharing platform and main sharing scenarios.The cross system sharing platform includes provincial cross system credit information resource sharing platform,regional cross system credit information resource sharing platform and national cross system credit information resource sharing platform.Furthermore,it analyzes the effect of credit information resource sharing in the era of big data in China,which is mainly reflected in the continuous enrichment of credit information resource sharing content,the continuous increase of sharing participants,the continuous expansion of sharing platform and sharing application,and the continuous improvement of sharing related system.At the same time,it also analyzes the main problems of credit information resource sharing in the era of big data.Finally,aiming at the problems,the paper puts forward the feasible strategies to promote the sharing of credit information resources in the era of big data,which mainly includes five aspects: expanding the scope of collection and sharing of credit information resources within the scope of reasonable use,adhering to the quality orientation,improving the credit big data processing mechanism,expanding the sharing scene of credit information resources while standardizing the management,and improving the quality of credit information resources Improve the security of open and shared credit information resources in the era of big data and promote credit information resources sharing under the premise of protecting the rights and interests of credit subjects.