在互联网飞速发展的今天，大数据技术是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、风险管理等。金融的本质是经营风险，互联网金融的风险呈现多样化特征，有效利用大数据进行风险管理将是互联网金融发展的重中之重。我们应从客观上承认数据的不完备性，但是不能因此停止大数据采集、风险分析应用的推进过程。从主观上，在这些不完备的数据基础上，应用统计学理论，分析出可靠性程度，从而在使用过程中适当引进修正空间，同时不断在实际数据采集后，反馈和修正预测过程中的偏离度。本文将从大数据技术发展的视角，详细梳理大数据在互联网金融以及互联网金融风险和信用管理领域的应用、发展与创新。
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.
