Application Research Of Big Data Used In Credit Investigation In P2P Lending Platform

Since the business model of P2P online lending started in our country in 2007,it experienced different stages of development such as rapid growth,outbreak of problems and gradual improvement of supervision.Currently,P2P business is still in the early stage of development and has many problems.Credit risk control capability has become the key to determining whether P2P online lending platform can be sustainable development.Then,emerging technologies of big data help to plan more scientific risk control system and provide new methods and possibilities for improving credit data application.This article draws on the development of more mature,did not appear as China's "financial chaos" of the American P2P lending,starting with its rise and development,to try to analyze the different cultural concepts,regulatory systems and credit information.And how to use big data in the concrete example? Zest Finance promotes the credit system reform and affects the P2P credit risk control system.Then,this paper based on comparative analysis and research method analyzes the rise and development background of our country's P2P lending platform,and tries to find out that the reasons why P2P lending industry made a big Chaos in 2015.At the same time,it tries to provide me feasible support after combining with the special development background of our country.In addition,although there are many deficiencies in P2P lending industry in our country,the attempt of big data has still achieved some success and it can be conjectured from the side that P2P lending can improve the credit risk control system by using big data.However,the further analysis of the application of big data of Alibaba Zhao Cai Bao makes it possible to have a deeper understanding of the special industrial background of our country and enhance the possibility of the big data applied in P2P credit lending.Finally,on this basis,it summarizes the current problems encountered in Chinese P2P lending platform such as imperfect industry regulation,"Information Island",the network data security is difficult to control and other issues.And combined with Chinese specific national conditions and industry background,the paper targeted three practical suggestions,including improving the ideology,improving the external environment of the industry and enhancing the possibility of applying credit for big data on the platform itself.It tries to provide feasible reference for solving the current industry dilemma in P2P lending industry.