The Development Dilemma and Countermeasures of China’s Personal Credit Industry in the Era of Large Data

Abstract

The wide application of large data technology has brought unprecedented opportunities for development in all walks of life, and also provided a new processing mode for the booming personal credit industry in China. The development of large data personal credit will improve the financial ecological environment, which is conducive to the establishment of an honest and trustworthy market economic environment, and has an irreplaceable role in promoting the healthy development of Internet finance. Based on literature analysis, investigation and summary and other methods, this paper holds that as a emerging thing, there are still many difficulties in the development of big data personal credit, and there are still a long way to go. Strengthening the independent innovation in the field of personal credit, speeding up the legislative process, making industry standards, improving the consciousness of the whole people, and attaching importance to the training of professional talents will help to create a good market environment for the large data personal credit collection, and the development path of the personal credit industry can be more smoothly in the era of large data.