本文選題：互聯(lián)網(wǎng)金融　切入點(diǎn)：信用風(fēng)險(xiǎn)　出處：《天津大學(xué)》2016年碩士論文

【摘要】：隨著互聯(lián)金融的飛速發(fā)展,不少企業(yè)都開(kāi)始由傳統(tǒng)經(jīng)營(yíng)模式轉(zhuǎn)變?yōu)榛ヂ?lián)網(wǎng)模式,互聯(lián)網(wǎng)金融的迅猛發(fā)展對(duì)傳統(tǒng)金融造成了很大的沖擊,與此同時(shí)我國(guó)網(wǎng)民數(shù)量越來(lái)越大,人們的傳統(tǒng)經(jīng)濟(jì)消費(fèi)行為逐漸開(kāi)始互聯(lián)網(wǎng)化,發(fā)展至今人們的衣食住行都已經(jīng)密切和互聯(lián)網(wǎng)相掛鉤,這些行為在即時(shí)網(wǎng)絡(luò)領(lǐng)域產(chǎn)生大量的行為動(dòng)作數(shù)據(jù),使得互聯(lián)網(wǎng)本身成為了一個(gè)大型數(shù)據(jù)庫(kù),這也就是大數(shù)據(jù)時(shí)代的到來(lái),與之而來(lái)的就是數(shù)據(jù)倉(cāng)庫(kù)和數(shù)據(jù)挖掘技術(shù)的興起,互聯(lián)網(wǎng)很好的利用了這一點(diǎn),研究人們?cè)诰W(wǎng)上的消費(fèi)行為,從而不少新生的互聯(lián)網(wǎng)金融交易平臺(tái)涌現(xiàn)出來(lái),像我們熟知的陸金所、宜人貸、e租寶、借貸寶等p2p交易平臺(tái),然而這些交易平臺(tái)的注冊(cè)用戶數(shù)、交易額與成交數(shù)是如何從零數(shù)據(jù)做到大數(shù)據(jù)的值得推敲,像前不久剛發(fā)生的e租寶事件對(duì)互聯(lián)網(wǎng)金融整個(gè)行業(yè)都造成了信任危機(jī),還有更多的p2p平臺(tái)跑路、以及高管頻繁更換的問(wèn)題都嚴(yán)重影響了人們對(duì)互聯(lián)網(wǎng)金融的評(píng)價(jià),面對(duì)種種互聯(lián)網(wǎng)金融問(wèn)題與漏洞,我國(guó)目前還沒(méi)有詳細(xì)的政策和法律法規(guī)進(jìn)行監(jiān)管,整個(gè)社會(huì)的信用危機(jī)也是逐步上升,而個(gè)人征信目前還是由中國(guó)人民銀行來(lái)采集和管理,而企業(yè)的信用信息多由工商局和公安局管理和備案,信用信息采集來(lái)源單一和信用信息的不透明都導(dǎo)致人與人之間以及企業(yè)之間的信息不對(duì)稱,雙方了解不多,信任就難以建立,因此開(kāi)發(fā)一個(gè)能夠提供個(gè)人和企業(yè)信用查詢的平臺(tái)意義重大。本課題主要研究個(gè)人信用信息數(shù)據(jù)的采集以及統(tǒng)計(jì)分析,目標(biāo)是借助數(shù)據(jù)倉(cāng)庫(kù)與數(shù)據(jù)挖掘技術(shù)和即時(shí)網(wǎng)絡(luò)采集人們的網(wǎng)上交易行為[1],主要包含個(gè)人檔案基本信息、納稅信息,違反交通法規(guī)行為,水電煤繳費(fèi)信息、話費(fèi)、社保、信用卡、貸款信息、法院、公安局等相關(guān)機(jī)構(gòu)備案信息,通過(guò)數(shù)據(jù)分析與整理,輸出人們想要查詢的信用評(píng)級(jí)狀況,為社會(huì)創(chuàng)建一個(gè)公平公正誠(chéng)信的個(gè)人征信查詢平臺(tái),讓大家盡可能規(guī)避信用風(fēng)險(xiǎn)。
[Abstract]:With the rapid development of interconnected finance, many enterprises have begun to change from the traditional business model to the Internet mode. The rapid development of Internet finance has caused a great impact on the traditional finance. At the same time, the number of Internet users in our country is increasing. People's traditional economic consumption behavior has gradually begun to become Internet-based, and so far, people's clothing, food, housing and transportation have been closely linked to the Internet, and these behaviors have produced a large number of behavioral action data in the immediate field of the Internet. Make the Internet itself become a large database, this is the arrival of big data era, with the rise of data warehouse and data mining technology, the Internet has made good use of this point, By studying people's consumer behavior on the Internet, many new Internet financial trading platforms have sprung up, such as lufax, pleasant loaner, Zanbao and other P2P trading platforms known to us. However, the number of registered users of these trading platforms, How the transaction volume and the number of transactions are worth considering from zero to big data, such as the recent e-zubo incident has created a crisis of trust in the entire industry of Internet finance, and there are more P2P platforms running. And the frequent turnover of executives has seriously affected people's evaluation of Internet finance. In the face of all kinds of Internet financial problems and loopholes, China has not yet had detailed policies, laws and regulations to regulate them. The credit crisis of the whole society is also rising step by step. At present, personal credit information is collected and managed by the people's Bank of China, and the credit information of enterprises is mostly managed and put on record by the Commerce and Industry Bureau and the Public Security Bureau. The single source of credit information collection and the lack of transparency of credit information lead to asymmetric information between people and enterprises. If the two parties do not know much, it is difficult to establish trust. Therefore, it is of great significance to develop a platform that can provide personal and enterprise credit inquiry. This subject mainly studies the collection and statistical analysis of personal credit information data. The goal is to collect people's online transactions with the help of data warehouse and data mining technology and instant network [1], including basic information of personal files, tax information, violation of traffic laws and regulations, payment information of hydropower and coal, telephone charges, social security. Credit card, loan information, court, public security bureau and other relevant organizations put on record information, through data analysis and collation, output the credit rating status that people want to inquire about, and create a fair, just and honest personal credit inquiry platform for the society. Let everybody avoid credit risk as much as possible.
【學(xué)位授予單位】：天津大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2016
【分類號(hào)】：TP311.52

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