Research On Personal Credit Evaluation Of Sesame Credit Company Based On Big Data

With China's reform and opening up and the continuous development of the national economy,China's market economic system construction has made some progress,China's economy gradually presents the characteristics of the buyer's market economy.Under the new situation,how to expand domestic demand and further improve the upgrading of consumer market has become the key point to promote the steady and rapid development of China's economy.Consumer credit adapts to the background of the new era and emerges with its function of promoting consumption upgrading and economic growth.It has become the most active factor affecting economic development in the market.However,the further development and improvement of consumer credit largely depends on the degree of marketization of the personal credit industry in China.Firstly,this paper introduces the research background and current situation of personal credit industry in China,and expounds the basic theory of personal credit evaluation with the help of literature research method.Secondly,it studies the personal credit evaluation under the big data,and specifically analyses the historical experience and development prospects of the big data personal credit evaluation.Then,this paper introduces the representative Sesame Credit Company in the big data personal credit market as a case,introduces the personal credit evaluation system of Sesame Credit Company under the big data,and compares the personal credit evaluation system of Sesame Credit Company under the big data with that of the traditional central bank personal credit center and Tencent under the big data respectively,so as to analyze the sesame.The credit company's personal credit evaluation system in the face of the current big data environment has advantages and can solve practical problems,and for the case analysis part of the Sesame Credit in the context of big data to face the deficiencies of in-depth study,finally put forward for the current big data background of personal credit evaluation system improvement programs and feasibility proposals.