Application of Large Data Technology in Financial Credit Risk Prediction of Internet of Things

Authors

  • Yu Haiping

Abstract

In recent years, the Internet industry has developed rapidly, and world finance has entered the era of internet finance. Although the internet finance says to a great extent increases the financial flexibility, has promoted the financial profession the development, but also has brought the certain risk. In order to make the Internet financial positive and healthy development, we must establish and perfect the risk early warning system of Internet finance, and do well to prevent the Internet financial risk. Large data technology is the most effective information processing tool in the Internet age, large-scale data based on diversified, high frequency and high volume of unstructured data, through the collection and processing can reflect the subject behavior habits of all-round, multidimensional information, to build a reflection of its personality characteristics, identity characteristics, performance capacity, such as multidimensional quantitative model, Using various algorithms to infer its credit characteristics, and obtain quantitative credit evaluation results. This paper will use the large data technology to establish the personal model of financial users to improve the accuracy of the financial credit risk prediction of the Internet. The model is accurate and reliable and can be further popularized by testing in the actual data set.

Published

2020-04-30

Issue

Section

Articles