At present, we use the data around customers that are highly related to the credit situation of customers, and use the data to implement scientific risk control.
1. The big data credit model can make the credit evaluation more accurate: the big data credit model brings massive data into the credit system and conducts multi-angle analysis with various credit models.
2. Big data credit can include more diverse behavioral data: In the era of big data, every relevant institution is trying its best to obtain data information of behavioral subjects, so that the data can be widely covered and broadcast in real time to the greatest extent.
3. Big data credit has brought more timely evaluation criteria: another shortcoming of traditional risk control is the lack of effective data input, and its risk control model often reflects the results of lagging data. Using the evaluation results of lagging data to manage credit risk will produce greater structural risk.
Causes of Bad Credit Records in Extended Data Big Data
When big credit data is hacked, there is a bad credit record. When there is a bad credit record, you can only continue to maintain a good credit, and it will not be displayed after 5 years of use. You can't stop using it. After stopping using, the information will not be updated.
According to the Regulations on the Administration of Credit Information Industry, bad information will be displayed for 5 years from the date of termination of bad behavior or incident.
For the credit business during the normal account opening period, the Credit Information Center will update it every month. However, after the credit business is closed or settled, its information will not be updated.
Phoenix. Com-90% of the big credit data is rubbish. Where does the really useful data come from?