Construction Of Personal Credit Evaluation System Based On Internet

In the era of the current development of Internet technology,China’s credit economy has also made great progress.Cloud computing technology,mobile and Internet of everything are generating new requirements for the development of credit economy.The personal credits that originally relied mainly on the central bank’s credit information system were flawed.There were problems in the narrow coverage of credit services and the incomplete credit evaluation system.It is necessary to construct a new system that can cover more credit entities and lead the social economic development to more inclusive direction.First of all,this paper introduces the purpose,significance,background,etc.of the research and the basis of the research related theories,and makes a theoretical foundation for the subsequent research.Secondly,based on the physical support of the Internet for personal credit,the Internet technology is used to collect the comprehensive nature of information builds an indicator system that includes both structured and unstructured data.In the construction of the index system,the three-dimensional credit theory is used as the theoretical basis,highlighting the importance of unstructured data on the measurement of personal credit indicators,and selecting unstructured data indicators collected by Internet technology that reflect personal credit status.Some indicator systems.Finally,this paper uses the Analytic Hierarchy Process(AHP)as the theoretical basis to conduct an empirical test,combined with the way of questionnaire survey,to construct a personal credit score sheet of the thousand-point system.The credit information of a certain consumer is brought into verification,and the results show that the indicator system constructed in this paper is feasible.In addition,through research,with the deep development of the Internet and big data technology,the construction of personal credit evaluation system should expand the collection of unstructured data,such as the frequency of residential migration,mortgage guarantee,luxury consumption,etc.It can reflect the comprehensive credit status of individuals more comprehensively and more specifically,and provide a more scientific reference for the formulation of relevant policies in the future.