Credit Scoring Model Based On Cloud Computing

With the development of big data and the construction of social credit system is raises to the level of national strategy,cloud computing and credit scoring model will have broader development space.Although the traditional credit scoring model has been widely used in various financial companies and Internet companies,the model can not be updated and iterated quickly because the manual processing of data.This paper introduces the credit scoring model based on cloud computing,which processes the model variables by establishing a data warehouse,is greatly improves the efficiency and scalability of the development of credit scoring model.This paper,which based on the innovation of process,studies the credit scoring model mainly from the following four aspects.Firstly,this paper design the architecture diagram of data warehouse after studies cloud computing and data warehouse.Secondly,with the basic principle and design mechanism of credit scoring are explored,the standard for distinguishing good customers and bad customers is formulated.Thirdly,the logistic regression model is established and the parameters are estimated.Finally,the credit score model is completed which uses the data of German credit score,the technology of cloud computing and data warehouse technology.