Big Data Technology and Personal Credit Evaluation:Mechanism of Action and Practical Approach
Big data credit,as a key element in the construction of the social credit system,expands the connotation of the credit system and enriches the means and scope of credit management.Based on the scenarios of big data technology usage,this article conducts a systematic analysis of the advantages of applying big data technology to personal credit assessment from three dimensions:information integration,process optimization,and security maintenance.The mechanism of applying big data technology to personal credit assessment is deeply explored.To better leverage the empowering role of big data technology in the credit reporting system and financial sector,the practical approach to personal credit assessment under the background of big data technology application is proposed from three aspects:strengthening legislative constraints,reducing data discrimination,and emphasizing information protection.
big data technologypersonal credit evaluationdata governancecredit information security
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