| With the rapid development of Internet finance,many companies are beginning to change from the traditional business model for the Internet model,the rapid development of Internet finance has caused great impact on the traditional financial services at the same time,more and more people are using the internet,people’s traditional economic consumption behavior gradually contacte with Internet,since the development of people’s basic necessities of life have close and the Internet linked the behavior action of a large amount of data in a real-time network field[30],the Internet itself has become a large database,Age of big data is coming,with the development of data warehouse and data mining technologies,the Internet is a good use of this point,people study in the consumer behavior online,so a lot of new Internet financial transactions platform emerged,as we know the land Gold,pleasant loans,rent treasure,treasure and other lending e P2 P trading platform,but the trading platform for the number of registered users,the number of transactions transactions domain is how to do big data worthy of scrutiny from zero data,as occurred shortly before the e event on the Internet Financial treasure to rent the entire industry created a credit crisis also,run away the P2 P platform[31],and more frequent replacement of executives have seriously affected people’s evaluation of Internet finance,Facing the problems and loopholesof Internet banking in our country,there is no detailed policies and laws and regulations of supervision,the whole social credit crisis is gradually rising,personal credit is still collecting and managing by the people China bank,and credit information of enterprises by Industrial and Commercial Bureau and bureau of public security management and filing,credit information collection and the single source of credit information opaque Both lead to asymmetric information between people and enterprises,the two sides do not know much,it is difficult to establish trust,so the development of a platform to provide personal and business credit information is significant.This subject mainly studies personal credit information data collection and statistical analysis,the goal is by the data warehouse data mining technology and the real-time web capture people’s online trading behavior,mainly includes the basic information of the personal archives,tax information,acts in violation of trafficrules,hydropower coal payment information,bill,social security,credit card,loan information,courts,Public Security Bureau and other relevant agencies for the record information,through data analysis and sorting,output the information of people want to know about the credit rating,we want to create a fairness and justice platform,everyone can learn the honesty of personal credit,let everybody as far as possible to avoid credit risk. |
