大数据在互联网金融中的应用及风险管理

Abstract:Today， with the rapid development of the Internet， large data technology is to ensure the healthy development of the Internet financial key.Large data applications in Internet finance include precision marketing， credit valuation， asset pricing， and risk management.At the same time， the essence of finance is the risk of business， the risk of Internet finance is diversified， the effective use of large data for risk management will be the top priority of Internet financial development.Objectively speaking， the data is not complete， but we can not stop large data collection， can not stop the risk analysis application of the propulsion process.On the basis of these incomplete data， the reliability degree is analyzed by the statistical theory， so that the correction space is introduced in the course of the application， and the deviation in the prediction process is corrected by the feedback of the actual data collection.This article will sort out theapplications， development and innovation of big data in the field of Internet finance， Internet financial risk and credit managementfrom the perspective of large data technology development.

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