Big data is a concept derived from personal peer-to-peer lending behavior in the era of Internet finance. Similar to the central bank's credit investigation, it is an activity to sort out and save personal credit information, and provide services such as credit report, credit evaluation and credit information consultation to help third-party institutions judge, review and control credit risks. The big data credit information system is a comprehensive data analysis system based on online loan application information, online loan blacklist, communication social circle information and bad credit records, only through the user's mobile phone number and ID card. So that the third party can be used as a reference and basis for credit audit.

After analyzing the data, the credit bureau gives the individual a score or credit limit. At present, big data credit reporting agencies need users to provide information such as operators, Alipay, Taobao, WeChat, JD.COM, online banking, credit cards, personal mailboxes, corporate email accounts and passwords, ID cards, etc. They can only judge whether users are normal and whether their work and life are normal according to this information, but their credit is not clear. In order to control bad debts, they can only borrow a few thousand dollars. At the same time, you can make a detailed inquiry through card detailed investigation, and you can conduct a comprehensive inspection of your credit card usage to understand your credit card usage and risk level. It can improve the personal qualification of users more pertinently, so as to improve the comprehensive credit score of users.