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近年来,伴随着云计算、大数据等信息技术的运用,互联网金融在我国得到了蓬勃发展。现有征信体系无法服务于互联网金融的发展,催生国内征信业开始向大数据征信的深度融合方向发展。本文分析了我国互联网金融征信体系存在的问题,探讨了基于大数据的互联网金融征信体系建设优势,对大数据征信的体系建设提出了合理化的建议。
In recent years, along with the application of information technologies such as cloud computing and big data, internet finance has been booming in our country. The existing credit information system can not serve the development of internet finance, which has led to the development of the domestic credit information industry in the direction of the deep integration of big data credit information. This article analyzes the existing problems in China’s Internet financial credit system, discusses the advantages of Internet financial credit system based on big data, and puts forward reasonable suggestions for the system construction of credit data in big data.