Big data finance is through big data technology to collect customer transaction information, online community communication behavior, the flow of funds to the direction of the data, big data finance to understand the customer's consumption habits, so as to target different customers to put different marketing and advertising or analyze the customer's credit status. As the big data financial data is collected based on the customer's own behavior, big data financial objective and real, therefore, big data financial marketing programs and preference recommendations for customers can also be accurate.

The characteristics of big data finance are as follows:

1. Big impact. As the Internet has accelerated the dissemination of data, and financial big data belongs to the core privacy material of individuals. In the current state of development of Internet finance in China, the credit system is not yet perfect, and the relevant laws of Internet finance are still to be supported. The default cost of Internet financial units is low, which is easy to cause a variety of financial risk problems, resulting in mass incidents;

2, the number is large. Internet financial big data is obtained from the financial behavior data of individuals, which is part of the personal data belonging to the very high-frequency use. Domestic Internet financial services enterprises to obtain the Internet financial big data has reached hundreds of petabytes, and is still growing at a high rate;

3, fast speed. The main information of the Internet financial business is processed by the system, and the operation process is completely standardized, and the business processing speed is faster. With the support of financial big data such as user profiles and credit databases, after data mining and analysis, and the introduction of risk analysis and credit investigation models, it takes only a few seconds for a piece of business to be completed from application to completion.

Legal basis: Article 5 of the Chinese People's Republic of China Data Security Law

The central national security leadership agency is responsible for decision-making and coordination of national data security work, researching, formulating and guiding the implementation of the national data security strategy and the relevant major guidelines and policies, coordinating and harmonizing the major issues and important work of national data security, and establishing a national data security work coordination mechanism. work, and establish a national data security work coordination mechanism.