个人征信系统的设计与实现

发布时间：2018-04-01 16:49

本文选题：互联网金融　切入点：信用风险　出处：《天津大学》2016年硕士论文

【摘要】：随着互联金融的飞速发展,不少企业都开始由传统经营模式转变为互联网模式,互联网金融的迅猛发展对传统金融造成了很大的冲击,与此同时我国网民数量越来越大,人们的传统经济消费行为逐渐开始互联网化,发展至今人们的衣食住行都已经密切和互联网相挂钩,这些行为在即时网络领域产生大量的行为动作数据,使得互联网本身成为了一个大型数据库,这也就是大数据时代的到来,与之而来的就是数据仓库和数据挖掘技术的兴起,互联网很好的利用了这一点,研究人们在网上的消费行为,从而不少新生的互联网金融交易平台涌现出来,像我们熟知的陆金所、宜人贷、e租宝、借贷宝等p2p交易平台,然而这些交易平台的注册用户数、交易额与成交数是如何从零数据做到大数据的值得推敲,像前不久刚发生的e租宝事件对互联网金融整个行业都造成了信任危机,还有更多的p2p平台跑路、以及高管频繁更换的问题都严重影响了人们对互联网金融的评价,面对种种互联网金融问题与漏洞,我国目前还没有详细的政策和法律法规进行监管,整个社会的信用危机也是逐步上升,而个人征信目前还是由中国人民银行来采集和管理,而企业的信用信息多由工商局和公安局管理和备案,信用信息采集来源单一和信用信息的不透明都导致人与人之间以及企业之间的信息不对称,双方了解不多,信任就难以建立,因此开发一个能够提供个人和企业信用查询的平台意义重大。本课题主要研究个人信用信息数据的采集以及统计分析,目标是借助数据仓库与数据挖掘技术和即时网络采集人们的网上交易行为[1],主要包含个人档案基本信息、纳税信息,违反交通法规行为,水电煤缴费信息、话费、社保、信用卡、贷款信息、法院、公安局等相关机构备案信息,通过数据分析与整理,输出人们想要查询的信用评级状况,为社会创建一个公平公正诚信的个人征信查询平台,让大家尽可能规避信用风险。
[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.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：TP311.52

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