互联网金融中的大数据应用

互联网金融是基于互联网及移动通信、大数据、云计算、社交平台、搜索引擎等信息技术,实现资金融通、支付、结算等金融相关服务的金融业态,是现有金融体系的进一步完善和普惠金融的重要内容。数据是互联网金融的核心,大数据技术是保证互联网金融健康发展的关键支撑,互联网金融中的大数据应用包括精确营销、信用评估、资产定价、风险管理和指数编制等。互联网金融大数据应用面临着共享失联、内容失真、处理失速、分析失能和安全失控的问题和挑战。

Big Data Applications in Internet Finance

The internet finance, based on the information technologies such as internet, mobile communications, big data, cloud computing, social media and search engine, is a new financial mode for investment, payment and accounting. It not only represents a further improvement in the current financial system but also constitutes an important part of the inclusive finance. Data is the core of internet finance. Big data technology is one of the key supports for the development of internet finance. The big data applications in internet finance includes accurate marketing, credit valuation, asset pricing, risk management and index design. The risks and challenges of losing connection in data sharing, distortion of content, processing speed loss, disability of analysis and losing control of security for the application of big data in internet finance.