The Big Data score is closely related to aspects such as an individual's creditworthiness

White account is a term that is exclusive to creditworthiness. The general interpretation is that it refers to an individual who has not opened a credit card or any loan account. It can be explained in several ways: 1 There is no credit record in the central bank credit center. When a credit card or loan approver sees such application information, it will be categorized as a white account. Generally speaking, because there is no repayment behavior or credit history, it is difficult for the approving officer to judge the person's qualifications without any other materials to add. If the person is new to the society, it is a more common situation. If the person is older and still a white household, it will be difficult to pass the approval.2 After the people included in the central bank's credit report, there are still a large number of people who have not had any credit records, called white households. These white