Study On Personal The Optimization Of Credit Evaluation System In Internet Finance

With the rapid development of China's ' economy,the credit information industry,as a booster of economic development,is also accelerating its development.At the same time,with the rapid development of China's Internet industry,with the promotion of cloud computing,big data,artificial intelligence and other technologies,the evaluation of personal credit has also expanded from the traditional basis of personal asset information to the basis of users' Internet transactions and Internet socialization.Network behavior data.In addition,the application of personal credit information has also been limited to the financial industry and expanded to all areas of economic life.This article mainly adopts the method of combining literature research and case study to study the personal credit evaluation system.And conduct research in accordance with the following logic:First,elaborate and analyze the related theories,including information asymmetry theory,long tail theory,and 5C credit analysis model;second,elaborate on the characteristics of Internet finance and collect personal credit The definition of personal credit and the development of personal credit reporting are introduced;finally,taking the Internet credit system of Alibaba-Zhima Credit as an example,through the data sources of Zhima Credit,the scoring rules of Zhima Credit scores,and Zhima Credit evaluation dimensions Element subdivision to understand how the Internet credit evaluation system is constructed,and analyzes the deficiencies in the Zhima Credit credit system,in order to provide reference and reference for China's personal credit evaluation system.