Credit big data means using data analysis and models to conduct risk assessment, and based on the assessment score, predict the repayment ability, willingness to repay, and fraud risk of the repayer. In the field of financial risk control, big data refers to full data and user behavior data. Currently, we use data around customers that is highly relevant to their credit status, and use the data to implement scientific risk control.

The big data credit model can make credit evaluation more accurate. The big data credit model incorporates massive data into the credit system and conducts multi-angle analysis with multiple credit models. Big data credit reporting can incorporate more diverse behavioral data. In the era of big data, every relevant agency is trying to obtain the data information of behavioral subjects to the greatest extent, so that the data can cover the widest possible extent and be lively in real time.