Analysis of Beijing Tianjin Hebei regional credit system from the perspective of big data credit reporting

摘要

With the wide application of big data technology and the continuous innovation of the financial industry, the development of Internet finance has become irreversible. The new financial model has improved the efficiency of financial services and formed new ways of payment and transaction. The traditional credit information system has been unable to meet the needs of the development of the financial industry. The research methods adopted in this paper mainly include literature research, case analysis and comparative analysis. The development process, current situation and characteristics of China's personal credit system, as well as the development process and current situation of China's personal credit system under Internet finance are analyzed. It also points out the main problems faced by China's personal credit reporting system under the Internet finance. Then, aiming at the specific problems faced by China's personal credit reporting system under Internet finance, this paper makes case studies of representative market-oriented credit reporting institutions such as Beijing, Tianjin and Hebei, and uses convolutional neural network to analyze the specific practices of these individual credit reporting institutions and achieves results. At the same time, it compares how different credit agencies make up for the shortcomings of personal credit reporting system. Finally, it draws the conclusion of perfecting the personal credit system of our country under the Internet finance, points out the new problems that may be brought by the superposition of various solutions, and puts forward the countermeasures and suggestions of perfecting the personal credit system of our country under the Internet finance. (C) 2019 Published by Elsevier Inc.