Development and Risk of Internet Finance Based on Big Data

2021 ◽  
pp. 518-525
Author(s):  
Yaxin Liu
Keyword(s):  
Big Data ◽  
Internet Finance

Chinese Internet Finance Credit Investigation Issue and Legal Countermeasures

2019 ◽  
pp. 193-218
Author(s):  
Cheng-Yong Liu ◽  
Ruey-Cheng Chen
Keyword(s):  
Big Data ◽  
Information Security ◽  
Public Interests ◽  
Existing Problems ◽  
Finance Industry ◽  
Blockchain Technology ◽  
Viable Solution ◽  
Internet Finance ◽  
Rights And Interests ◽  
Investigation Information

In recent years there has been a phenomenon of “Thirst for Credit Investigation Information” within China's internet finance industry. To compensate for the new credit investigation demands that traditional measures of credit investigation lack, big data credit investigation has been widely recognized as a viable solution. Big data credit investigation however poses greater risks to the rights and interests of the information subject. In order to solve the existing problems associated with the data credit investigation industry, the author advocates that special laws and regulations be revised or formulated on the basis of balancing the rights and interests of the information subject with those of public interests. In the future, the combination of big data credit investigation system with blockchain technology may effectively solve the problems that are harmful to the rights and interests of the information subject, such as information-isolated island and information security.

Chinese Internet Finance Credit Investigation Issue and Legal Countermeasures

2021 ◽  
pp. 1303-1322
Author(s):  
Cheng-Yong Liu ◽  
Ruey-Cheng Chen
Keyword(s):  
Big Data ◽  
Information Security ◽  
Public Interests ◽  
Existing Problems ◽  
Finance Industry ◽  
Blockchain Technology ◽  
Viable Solution ◽  
Internet Finance ◽  
Rights And Interests ◽  
Investigation Information

In recent years there has been a phenomenon of “Thirst for Credit Investigation Information” within China's internet finance industry. To compensate for the new credit investigation demands that traditional measures of credit investigation lack, big data credit investigation has been widely recognized as a viable solution. Big data credit investigation however poses greater risks to the rights and interests of the information subject. In order to solve the existing problems associated with the data credit investigation industry, the author advocates that special laws and regulations be revised or formulated on the basis of balancing the rights and interests of the information subject with those of public interests. In the future, the combination of big data credit investigation system with blockchain technology may effectively solve the problems that are harmful to the rights and interests of the information subject, such as information-isolated island and information security.

Research on the Risk Characteristics and Regulation Paradigm of Internet Financial

2014 ◽  
Vol 687-691 ◽  
pp. 2011-2014
Author(s):  
Tian Xiong Liu
Keyword(s):  
Big Data ◽  
Financial Risk ◽  
Third Party ◽  
P2p Network ◽  
The Internet ◽  
Development Mode ◽  
Risk Characteristics ◽  
Internet Finance ◽  
Development Course ◽  
Financial Mode

Based on introducing the Internet finance and its development course, it combed the Internet finance related theory and analyzed the Internet financial P2P network model. The raised platform model has big data financial mode and third-party payment mode and development mode and puts forward the thinking of Internet financial risk and regulation.

Study on the User-Side Risk of Smart Grid System in Big Data Age

2014 ◽  
Vol 494-495 ◽  
pp. 1743-1746 ◽  
Author(s):  
Jing Min Wang ◽  
Maimaitiaili Wufuer ◽  
Xiao Fan Guo
Keyword(s):  
Big Data ◽  
Demand Forecasting ◽  
Electricity Consumption ◽  
Heterogeneous Data ◽  
Customer Complaint ◽  
Internet Finance ◽  
Smart Grid System ◽  
Operation Risk ◽  
Smart Gird ◽  
Big Data Technology

With the coming of big data age, Internet, finance and other industries have launched in-depth studies on big data technology. They hope to grasp the opportunities that big data brings to enterprises. Smart gird construction generated massive and heterogeneous data in the process of electricity generation, electricity transmission and electricity consumption, thus electricity big data took shape. Based on the analysis of Big Data characteristics of Smart gird user-side, this paper describes the risks that big data reduces on smart gird user-side from the perspectives of demand forecasting, customer complaint and operation risk that grid peak valley load brings. Meanwhile, it also expounds the risks that big data brings to Smart gird user-side from the perspectives of technology and user information security. Hope to provide some relevant materials of the Smart gird user-side risk management for our country.

scholarly journals Analysis on Internet Financial Business and Construction of Credit System

2020 ◽  
Vol 3 (2) ◽  
Author(s):  
Anzhi Yang
Keyword(s):  
Big Data ◽  
Supply Chain ◽  
Evaluation System ◽  
Mobile Internet ◽  
The Internet ◽  
Credit Evaluation ◽  
Supply Chain Finance ◽  
Industrial Chain ◽  
Internet Finance ◽  
Credit Evaluation System

Internet finance is a new emerging financial model, using the Internet as a platform, big data and cloud computing as the basis. Supply Chain Finance is the easiest way to enter Internet finance. The third-party companies or institutions can invest in Internet financial companies by integrating their industrial chain practices into designing the financial products to reduce credit costs and improve safety. At the same time, it will increase mobile Internet, big data and operational services. Also, it can make full use of the Internet financial platform to provide value-added services for higher and lower enterprise and consolidate the core status of the company in the industrial chain. However, an important issue that needs to be concerned during developing Supply Chain Finance is the construction of a system for credit evaluation. Due to the lack of a unified credit evaluation system, the development of the existing Supply Chain Financial companies suffers from difficulties. Many newly launched companies have difficulties operating due to the lack of a credit evaluation system. Therefore, proper and effective credit indicators are essential for the development of enterprises under Internet finance. From the micro perspective, it is conducive for enterprises to improve their credit under the constraints of indicators, and it can solve the problem of capital raising; from the macro perspective, it is conducive to the standardized development of China’s Internet finance and promotes the comprehensive economic development. Based on this, analyzing the model of Internet financial business and developing an enterprise’s credit index system is beneficial to the development of China’s Internet finance.

scholarly journals A Study of the Development Mode of Internet Finance in China in the Context of Big Data

2021 ◽  
Vol 275 ◽  
pp. 01045
Author(s):  
Tingting Dou ◽  
Geng Liu
Keyword(s):  
Information Technology ◽  
Big Data ◽  
Development Mode ◽  
Continuous Development ◽  
Existing Problems ◽  
Policy Suggestions ◽  
Main Development ◽  
Internet Finance ◽  
The Relationship ◽  
Financial Technology

In recent years, with the continuous development of China’s financial technology, the relationship between Internet finance and computing information technology such as big data is getting increasingly close. Based on the existing research results, following the research ideas of finding, analyzing and solving problems, this paper studied several main development modes of Internet finance in China in the context of big data, and pointed out the existing problems, so as to put forward policy suggestions to optimize China’s Internet finance on the basis of analyzing the reasons.

scholarly journals Risk Assessment of Internet Credit Based on Big Data Analysis

2020 ◽  
Vol 214 ◽  
pp. 01012
Author(s):  
WANG HAORU ◽  
Yi Zhixuan ◽  
WEI YUJIA ◽  
Tianpeng Yao ◽  
Zhao Shuoheng ◽  
...  
Keyword(s):  
Risk Assessment ◽  
Big Data ◽  
Data Analysis ◽  
Credit Risk ◽  
Commercial Banks ◽  
Big Data Analysis ◽  
Financial Fraud ◽  
Credit Risk Assessment ◽  
New Business ◽  
Internet Finance

In recent years, network technology has continued to develop, and Internet finance has rapidly developed into a new business area. Internet credit is one of the important ways for banks to conduct business, and the scale of online credit has continued to expand. Due to the existence of various unpredictable factors, frequent emergencies, and online financial fraud, the overall market risk in the field of online credit has increased, and the rate of non-performing loans has continued to increase. Online financial fraud cases show that online credit risk has become one of the most prominent risks in the operation of commercial banks, which has a direct impact on the stability and development of commercial banks. We can build a bank database system based on big data, introduce professional big data analysis technical personnel, and constantly improve the big data sharing analysis platform, so that commercial banks can use system data more fully and effectively, and facilitate relevant business personnel to use big data technology for analysis and calculation. Big data is constantly produced, which provides basic materials for online credit risk assessment. Big data analysis technology is gradually mature, and it has the necessary conditions for online credit risk assessment. Based on the theories and technologies related to big data analysis, this paper comprehensively evaluates the online credit risk in the form of example data analysis, thereby effectively reducing the online credit risk coefficient.

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