Computer data integration analysis of the personal credit reporting system

Abstract

The Internet finance is growing rapidly in China. The third-party payment, the P2P loan and the network financial management and so on are constantly changing people’s living habits. At the same time, the problems of the credit default exposed in the process of the development of the Internet finance also hindered its further development. The traditional credit evaluation mode is based on a person’s loan history and repayment performance, and uses the logic regression to judge the person’s credit. The data sources of the big data credit are very extensive, including the electronic commerce, the social networking and the searching behaviors, which generated a lot of data.