Abstract
AbstractBig data finance is one of the effective applications of big data in the field of Internet finance. Internet finance platforms may rely on considerable accumulated user data to offer all sorts of financing services to different users, including platform finance, supply chain finance and consumer finance. While these patterns are based on the credit rating formed with considerable accumulated data. This is the most explicit application of big data, and also the expression of big data value accumulation. By virtue of the data advantages accumulated over a long period of time, Alibaba and JD develop all kinds of big data finance patterns. The role of big data in Internet finance is quite self-evident. However, the problem of big data finance rests in its dependence on credit investigation. Though it creates great convenience for financial services to a large extent, it also exposes platforms to risks in credit investigation link.
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