Big Data Credit System Is Applied To Internet Finacial Risk Controlling Research

With the rapid development of Internet technology, Financial accommodation, information intermediaries and payment of new Internet financial services industry began to develop rapidly via the Internet and mobile communications technology.Although Internet technology provides a strong guarantee for normal operations of the Finacial Internet, the financial risk control system of Internet and traditional financial risk control systems compared in terms of standardization, accuracy and legitimacy for surviving Many issues that will have a lot of financial risk of uncertainty, not only will affect the company’s assets security, and even affect the prosperity and stability of the society. To control the financial risks, it’s required for sound financial credit risk control mechanism as a guarantee.Big data on Credit system collected the behavior habits of information subject on all round view, while establishing targeted multidimensional data model which helped calculating the credit characteristics of information subject, resulting in a more accurate assessment of the credit. Big data credit data sources covered the traditional credit system data, transaction data, identity data, social data platform, network data management, as well as daily activity data, behavioral characteristics and other data on specific scenarios. With the rapid development of the Internet industry, as well as the gradual accumulation of personal data networks, big data credit in the financial sector gradually began to be used on the Internet. In this paper, the status quo applies to large Internet data credit risk control financial sector, problems are analyzed and corresponding countermeasures and suggestions are put forward.