大数据背景下我国互联网征信问题研究——以芝麻信用为例

Research on Chinese Internet Credit under the Background of Big Data——Take Sesame Credit as an Example

本文在深入分析我国互联网征信发展模式及现状的基础上,以阿里巴巴的芝麻信用为例,对其从数据收集、技术处理、评价模型和应用场景四方面展开研究,指出我国互联网征信业发展中存在征信数据共享困难、用户信息主体权益保护和信息安全存在风险、应用场景有待拓宽、监管需加强等问题,并对互联网征信机制的建立和完善提出建议。

With the development of large data and cloud computing, Internet credit has becomean indispensable foundation for the further development of Internet finance, and it has become a major trend in the development of cred-it information industry. On the basis of analyzing thedevelopment mode and current situation of Internet credit informa-tion in our country, this paper takes Alibaba^s Sesame credit as an example, and makes an in-depth study on data col-lection, technical processing, evaluation model and application scenario. The paper points out there still exists several issues in the development of China＇s Internet credit industry such as Data sharing difficulties, the protection of main in-terests of user＇s information, the information security risks, application needs to be widened, supervision needs to be strengthened and so on. In addition, the paper will make suggestions on the establishment and perfection of Internet credit mechanism.