Research On The Improvement Of Personal Credit Mode Under The Background Of Big Data

The traditional financial industry is actively turning to the Internet.The emerging new technologies such as big data and cloud computing,which rely on the development of Intermet technology,not only add a lot of new impetus to the development of the financial industry,but also add a lot of innovative business models to the financial industry.The development of Internet finance is inseparable from the internet-based credit investigation,and credit is the guarantee of economic development.The signal of the central bank gradually opening the personal credit market makes the personal credit business of Internet finance gradually spread out,and the subsequent problem is that each Internet financial department needs to find a personal credit model suitable for its own business characteristics.Internet financial credit investigation is an effective supplement to traditional financial credit investigation.Credit investigation is only a means,and the purpose of credit investigation is to apply business in specific scenarios and reduce credit risks.Personal credit investigation refers to the activities of individual credit investigation institutions established according to law to collect and process personal credit information and provide inquiry and evaluation services of personal credit information as required by users.Credit investigation institutions shall process and sort out the information collected according to law,and finally provide Personal credit history records to legal information searchers according to law to form personal credit reports.At present,China's credit investigation industry has achieved great development,especially with the arrival of the Internet era and the rise of Intermet financial relatives,internet-based big data credit investigation has been paid more and more attention.Compared with the traditional personal credit investigation,the personal credit investigation under big data has many advantages.However,as a new thing,there are still many problems in personal credit investigation under big data,which need to be solved.It is necessary to study personal credit investigation under big data.Taking big data as the background and JD-Baitiaoas the case,this paper explores the characteristics and shortcomings of personal credit investigation mode in the context of big data,and puts forward corresponding Suggestions for improvement.The research logic of this paper is as follows:firstly,it introduces the theoretical basis on which the research on personal credit information is based in the context of big data;secondly,it introduces the traditional personal credit information mode at home and abroad and the new personal credit information mode under big data,and makes a comparison.After an introduction to the personal credit reporting model of JD-Baitiao,and to analyze it from many different perspectives,including concrete analysis JD-Baitiao personal credit registry data sources,reference object,credit scores and the scene application,and through the two case to a detailed analysis about JD-Baitiao,Baitiao in credit reporting data sources and risk control technology,output,scene and legal problems and causes;Finally,according to the business characteristics and advantages of JD-Baitiao,by referring to more mature cases abroad and combining with the new development trend of Internet personal credit investigation,this paper puts forward the corresponding improvement plan,and provides some enlightenment and reference for the Internet personal credit investigation mode under the background of big data in China.Through the exploration of JD-Baitiao personal credit investigation mode,it is found that big data personal credit investigation and traditional personal credit investigation are not substitutes,but complement and perfect each other.JD-Baitiao in the development of personal credit reporting model has certain advantage in the current environment,but also the corresponding problems,need to change the single source of data,improve the level of risk control technology,also need to relevant departments timely release and update the Internet personal credit business related policies and laws,for our country's individual credit market let go of good environment basis.Internet finance is developing rapidly.The perfection of credit investigation system is conducive to the better and faster development of Internet finance.If the information of all Internet users can be added to the credit system,it will be of great significance to the improvement of China's credit system.