基于互联网金融平台的大数据征信应用研究——以蚂蚁金服为例

Applied Research on Big Data Credit based on the Internet Financial Platform——Case Study of Ant Financial

传统征信体系已经难以满足一些新兴业态的发展需求,由此催生了在互联网金融平台下大数据征信体系。首先回顾中国征信体系的发展,说明其现存的问题,以蚂蚁金服为研究对象,研究发现蚂蚁金服进行征信的过程是一个开源的"编译—反编译"的循环过程。最后结合蚂蚁金服大数据征信的应用以及传统央行征信体系的经验,提出了构建面向大众、开放互联的大数据征信平台的建议。

Due to slow speed, low efficiency and narrow coverage, the traditional credit system has been unable to meet the devel-opment needs of newly-developing business. Therefore, the integration of the Internet and big data technology spawns the new-type credit system named big data credit with the Internet financial platform. At first,the research reviews the development of Chinese credit system and illustrates the existing problems. Then, by taking the Ant Financial as the research object, through the study of its technical background, the operation and advantages of the credit system, it is found that the credit mechanism of the Ant Financial is open and cyclic which can deal with user information in a “compile-decompile’,way. Finally,by combining the application of big data credit of Ant Financial with the experience of traditional central bank credit system, this paper puts forward a suggestion of building a big data credit platform which is public and open.