When it comes to Internet finance, people love it and hate it, and its emergence makes small businesses have a more concise way of financing, but also makes some of the small amount of money people can invest in the place, but "Internet finance" in the final analysis is still the product of the Internet era, and the "Internet" is originally a "non-profit" industry, and finance in the eyes of ordinary people is also a big and empty concept, most people have contact with the financial only banks, insurance and so on, and so on. "Originally is a" not rely on Pu "industry, and finance in the eyes of ordinary people is also a big and empty concept, most people come into contact with the financial only banks, insurance, etc., these are indispensable to life, the Internet finance has become the majority of people's wealth management new helper, the balance of treasure, WeChat Wealth Management and so on are both convenient and stable ways to invest in assets. We are more and more accepting and more and more skeptical of this way, the endless security problems have become the user **** the same worry, but have to admit, our life has been inseparable from the Internet finance.

The simplicity and convenience of Internet finance is its advantage, but because of the surface and volume involved are very large, the risk of becoming the industry's biggest pain point. It is also an urgent problem to be solved, to be honest, to completely solve the risk of Internet finance is unlikely, the industry has also been emphasized is to improve the wind control system, which and the relationship between the general public and the nearest personal loan business, business financing business, but also prompted the combination of Internet finance and credit industry is an important opportunity, the Internet would have been the source of big data, the combination of Internet finance and credit industry is an inevitable trend, and this article is going to be the first of its kind.

This article is about how to maximize the benefits of the combination of Internet finance companies and credit reporting companies.

To some extent, the two are mainly a cooperative relationship. Internet finance obtains credit information about individuals and enterprises through the credit bureau, and analyzes it to determine the feasibility, etc. The credit bureau, on the one hand, has to provide credit services for Internet finance, and on the other hand, the data generated by the Internet finance in the process of implementation is also an important data for the credit bureau.

The biggest problem facing the credit industry in the Internet era is the acquisition and analysis of big data, which is not only a requirement for technology, but also a test for the source of data acquisition, the credit industry has to acquire data within the scope of the legal license, but also to analyze the data in an all-round way, and different credit agencies will design different algorithms according to their own users, no matter what, data acquisition is always the most basic for the credit agency. The most basic of the organization.

People using the Internet will certainly leave traces, life of a variety of consumer status is the data needed by the Internet finance, and people involved in Internet finance, and will produce new credit data, which is like a cycle, the whole Internet finance can not be separated from the credit data, the credit agencies can not avoid the Internet finance, which is the basis of their cooperation, but also the opportunity.

The Internet itself has a lot of "rubbing the ball" in the behavior of the data access to the existence of violations of personal privacy and other practices can not be avoided, but also because many of the current system is not sound, can not blame the law is too slow, can only blame the development of this industry is really too fast.

The two industries can be combined necessarily because of some *** with the same interests, generally speaking, credit is more of a service to the Internet finance, and how the Internet finance in the process of cooperation from the credit profit? This is to say that the form of service of Internet finance.

Internet finance through the structure of the service to generate fees, thereby generating revenue, it is essentially a bridge, one side is the investor (including enterprises, institutions and individuals), the other side is to accept the investor (including enterprises, institutions and individuals), credit is the Internet finance in the process of the service of an assessment of the link, with this link, you can increase the trust of the two sides of the investment, which increases Cooperation intention, two Internet institutions to provide the same service, credit information perfect one will be more users of the favor.

When an Internet financial institution and a credit agency reach a cooperation agreement, it means that they can achieve information **** enjoyment, which greatly reduces the cost of information acquisition for both sides, and also realizes the maximization of data utilization. It also guarantees the overall security of Internet finance.

To say that the combination of Internet finance and credit industry, in fact, is a "negative and positive" algorithm. The risk and uncertainty of Internet finance is the result of the media's continuous blocking, but also its own risk control is not pass, and the credit industry, through a variety of methods to obtain data, but also to analyze the more and more huge data, the pressure is getting bigger and bigger.

The combination of the two is bound to have a lot of benefits, but there are also many risks, for the Internet finance, it means that the source and authenticity of the information data and credit agencies together to bear the risk, but also alone to bear the consequences of the use of the credit agency, the participation of the Internet finance is faced with even more huge data processing, but also for the Internet finance brought about by the complexity of the information to be cleaned up, its Controllability is unpredictable.

No matter how much people distrust Internet finance, no matter how much the media report negative examples of Internet finance, the world of the future is less Internet finance, the bank is also in transition, but it has its own credit system, or the most secure place to gather funds, its defect is the cumbersome process, which can be changed through the transition, cooperation, and will certainly be changed in the future.

Other Internet financial institutions, but also through and secure credit industry cooperation to produce more unexpected results than banks, of course, more unexpected good. We have reason to believe that the future of the Internet finance and credit industry will produce more and more close cooperation, but also will bring the world more good changes. After all, we choose to invest, more is to choose to invest in trust.