互联网金融征信体系完善建议——引入互联网社交数据.doc

论文编号： 互联网金融征信系统改进研究 中国政法大学研究生院 二○一六年三月 互联网金融征信系统改进研究 摘 要 近年来我国互联网金融业务高速发展，但诸如欺诈、违约之类的风险也层出不穷。在此背景下，作为互联网金融业务的基石，互联网金融征信日益被互联网金融业务的上下游所重视。中国人民银行于2015年1月5日批准了包括阿里巴巴旗下的蚂蚁金服和腾讯旗下的微众银行在内的8家民营机构进行个人征信业务行业，目前阿里巴巴、京东金融、北京闪银奇异科技有限公司等也陆续推出了芝麻信用、白热度、Wecash等互联网金融征信产品。与传统的征信系统不同，目前互联网金融征信系统具备征信用户数量大、征信考察维度多元化等优势，但要想获得更深入的发展，互联网金融征信也面临着覆盖人群扩大化、征信场景精细化与定制化、互联网金融征信贷前贷后风险把控严格化等一系列亟需完善的问题。 解决这个问题的关键是扩大现有互联网金融征信系统的数据来源以及对数据进行更精细化的挖掘。由此，本文主要通过对现有互联网金融征信体系所采用的数据来源、数据分析模型以及应用场景等进行实例分析，来研究在金融数据、消费数据之外，如何利用目前征信系统所缺失的互联网社交数据来对互联网金融征信系统进行补充和改进 关键词：互联网金融 征信 微信 互联网社交 大数据  RESEARCH ON THE IMPROVEMENT OF INTERNET FINANCIAL CREDIT SYSTEM ABSTRACT With a rapid development of Chinas Internet financial services in recent years, some negative risks such fraud or default are also emerged gradually. In this context, the importance of personal credit information is increasingly be valued by people from internet banking business as a cornerstone of internet financial services. The Peoples Bank of China had approved eight non-bank institutions to conduct personal credit business on January 5, 2015, including Alibabas Ant Financial and Tencents WeBank. And now, Alibaba, Jingdong Finance, Beijing Silver Flash Singular Science and Technology Co., Ltd. have all launched credit products like Zhima Credit, Jingdong Credit (BaiReDu), Wecash. Compared to traditional credit system, the current internet banking credit system has been showing a personalized, dynamic, closed-loop oriented features in terms of data sources, data processing. But with the further development of internet financial services, the current credit system is also facing some problems such as the expansion of population coverage, the refinement and customization of credit scene, the strict control of risk before and after the loan. Expanding the current data of internet banking system and mining it finer become the key to solve this problem. The source of internet banking credit system mainly comes from credit data, consumption data. So how