大数据信用评级与互联网融资研究述评

A Review of the Researches on Big Data Credit Rating and Internet Financing

大数据评级方法在互联网融资中的应用日趋广泛,通过大数据技术深度挖掘信息资源,并利用云计算技术进行比较全面的信用评价,实现对互联网融资中贷款审批前与贷款审批后的风险进行监控。大数据评级为互联网融资的发展带来了重大机遇。与此同时,由于存在大数据的安全与隐私问题、大数据评级信息的集成与存储问题以及大数据评级信息的融合问题,大数据信用评级也面临着重要的技术改革挑战。

The big data rating method is being widely applied in Internet finance. By deeply mining information resources using big data technology and by making more comprehensive credit evaluation using cloud computing technology, we may implement risk-based monitoring before and after the loan approval. Big data credit rating has brought significant opportunities for the development of Internet financing. Meanwhile, owing to the issues such as the security and privacy of big data, and the storage and integration of big data credit rating information, big data credit rating is also facing important challenges of technical reform.