Big data of e-commerce websites: Ali, JD.COM, Suning, etc. ;
Credit card website big data: I love cards, silver rate cards, etc. ;
Big data of social networking sites: Sina Weibo, Tencent WeChat, etc.
Small loan website big data: everyone's loan, credit information treasure, etc.
Payment website big data: Epro, Tenpay, etc.
Big data of life service websites: Ping An Zhang Yitong, etc. ...
Before data processing, it is very important to understand the business and data, which determines which data materials to choose for data mining. The workload before entering the "data factory" usually accounts for more than 60% of the whole process.
In terms of data raw materials, more and more Internet online dynamic big data are added. For example, by analyzing traces of network behavior, we can identify false information of loan applicants, while real Internet users always leave clues online. The timeliness of useful data for credit investigation is also critical. The effective dynamic data generally recognized by the credit investigation industry is usually data that goes back 24 months from now.
Integrating all kinds of information through the power of innovation and technology, establishing a credible credit database will become an important supplement to the traditional credit information system, and using mathematical operations and statistical models for analysis, so that Internet financial institutions can obtain customer credit ratings and risk signals. The central bank's liberalization of the personal credit information market is of positive significance for standardizing the development of the credit information market and serving the real economy. The difficulty of big data credit model lies in the disorder of data caused by too much information, which makes it difficult to integrate multi-party data. Data correlation analysis takes a long time and practice to test, and the accuracy of credit evaluation data is low in the short term.
Shenzhou Rongda Data Risk Control Platform takes the lead in accessing a number of credit reporting agencies, integrating 3000+ dimension fresh big data of credit application scenarios such as authoritative domestic third-party credit reporting agencies and e-commerce platforms, and adopting Experian SMG3, the world's best decision engine tool, to help small and micro financial institutions realize risk control management and optimization of the whole credit life cycle.
Compared with the original central bank credit information system, the full use of big data is undoubtedly a technological revolution in the financial industry, which will profoundly affect the future development of the domestic financial industry. With the liberalization of China's private credit information market, more and more institutions have entered this field, and the trend and pattern of big data reshaping the financial industry will become more and more obvious.