摘要：大数据时代的到来，给社会各界带来了不可忽视的影响，所有行业都离不开互联网思维和大数据技术。征信业也在大数据时代下看到了新的发展光景，征信业与大数据天然契合，大数据高效便捷的信息采集和处理技术，给征信业带来了巨大的技术创新和商业机遇，但同时大数据技术的迅猛发展和信息安全保障的缺失也给征信业带来了前所未有的挑战。本文研究了大数据技术在思维模式、数据范围、征信产品、信用数据的挖掘深度等方面对征信业发展提供的机遇，在信息安全、征信业务、征信规模、监管体系等方面对征信业发展带来的挑战，因此我国征信业应建立信用信息共享平台、信息安全保护机制，提倡产品创新，扩大征信需求，加强风险防范，加快完善大数据时代下的征信监管体系，从而促进征信业在大数据时代健康发展。51183

毕业论文关键字：大数据时代；征信；数据库

The Era of Big Data of China's Credit Reporting both Opportunities and Challenges

Abstract: The advent of the era of big data, has brought the social from all walks of life can not be ignored, the influence of all industry cannot leave the Internet thinking and big data technology. Credit reporting industry also saw the new development in the era of big data, credit reporting industry and big data naturally agree, big data efficient information acquisition and processing technology, to the credit reporting industry are of great technical innovation and business opportunities, but at the same time, the rapid development of big data technology and the lack of information security for credit reporting industry has brought unprecedented challenges. This paper studies the technology of data in the thinking mode, data range, credit products, credit data digging depth of credit reporting industry development opportunities, in information security, credit business, credit scale, the regulatory system of credit reporting industry challenges, therefore credit reporting industry in our country should establish the credit information sharing platform, information security protection mechanism, promoting product innovation, expand credit demand, strengthen risk prevention, speeding up the era of big data of credit supervision system, to promote the healthy development of credit reporting industry in the era of big data.

Key Words: age of big data ; credit investigation; database 

目录

一、大数据时代下的中国征信 1

（一）大数据时代的提出 1

（二）大数据时代下征信的概念 1

（三）大数据时代下征信的原理及应用 2

二、大数据时代下中国征信的发展现状及问题分析 3

（一）大数据时代下中国征信的发展现状 3

（二）大数据时代下中国征信存在的问题 4

三、大数据时代下中国征信的机遇与挑战 7

（一）大数据时代下中国征信的机遇 7

（二）大数据时代下中国征信面临的挑战 10

四、大数据时代下完善中国征信系统的对策分析 12

（一）建立信用信息共享平台 12

（二）建立信息安全保护机制 12

（三）提倡产品创新，扩大征信需求 13

（四）加强风险防范，加快完善征信监管体系