Internet financial big data blockchain

1.

1. blockchain: it is a new application mode of distributed data storage, point-to-point transmission, consensus mechanism, encryption algorithm and other computer technologies. The so-called consensus mechanism is a mathematical algorithm to establish trust and obtain interests between different nodes in the blockchain system

blockchain is an important concept of bitcoin. According to the 2014-2016 global bitcoin Development Research Report issued by the Internet Finance Laboratory of Wukou School of finance, Tsinghua University and Sina Technology, blockchain is the underlying technology and infrastructure of bitcoin [2]. In essence, it is a decentralized database, as well as the underlying technology of bitcoin. Blockchain is a series of data blocks generated by cryptography. Each data block contains the information of a bitcoin network transaction, which is used to verify the validity of the information (anti-counterfeiting) and generate the next block

2. Big data: refers to the data set that cannot be captured, managed and processed by conventional software tools within a certain period of time. It is a massive, high growth rate and diversified information asset that needs new processing mode to have stronger decision-making power, insight and discovery power and process optimization ability

2. The decentralized big data transaction realized on the blockchain can effectively rece the contacts of the original data and fundamentally guarantee the security of the data
in the future, jinwowo will focus on blockchain technology to promote the legal circulation and commercial application of big data.

3. You can go to the stock sector to look for big data, which has the concept of stocks.

4. At present, it is a bit difficult
in a word, blockchain is decentralized, using the trust protocol between distributed data nodes to achieve data sharing and mining upgrade. Artificial intelligence covers a wide range, including language recognition, image recognition, machine learning, intelligent logic and many other disciplines.

5. I have been using aofex, which is also highly recommended. This platform has long focused on blockchain and high-tech fields, with solid technology, rich experience and high security.. Are you satisfied with my answer? If you are satisfied, please take it

6. If you don't understand this, don't do it. It's all virtual things. When the landlord asks questions, it's deceptive. It's obvious that those who advertise on this platform value your principal

7.

first, improve data quality

the essence of blockchain is a decentralized distributed ledger. It can also be understood as a non tampering, full history, distributed database storage technology. Therefore, blockchain technology can liberate more data. The trustworthiness, security and non tampering of blockchain technology fundamentally improve the quality of data and enhance the ability of data inspection

Second, dealing with the problem of data island

big data has a very serious problem of data island, and a lot of data cannot be obtained at present. Blockchain is expected to deal with this problem. This is mainly because blockchain is not only a distributed ledger, but also has the characteristics of decentralization and openness. As order maintainers in the financial market, regulatory organizations can also predict and analyze possible dangerous problems through the data chain in the blockchain

3. Dealing with data leakage

in essence, the blockchain is actually a decentralized database. Therefore, if the data of one node in the blockchain changes, other nodes will find it at the first time, so the possibility of data leakage will be greatly reced. Only in the form of private key can the identity information of each node in the blockchain be obtained successfully, and only the data owner can know the private key

4. Blockchain can protect the relevant rights and interests of data

for valuable data assets of indivials or organizations, blockchain can be used to register them, and transaction records are recognized, transparent and traceable throughout the network. The source, ownership, use right and circulation path of big data assets are clear, which is of great value to the transaction of data assets

v. traceability of blockchain

every step of data collection, trading, circulation, and accounting analysis can be kept on the blockchain, so that the data quality can obtain unprecedented strong trust endorsement. At the same time, it also ensures the correctness of data analysis results and the effect of data mining

sinomeni will share with you the role of blockchain in big data. If you are interested in big data engineering, I hope this article can help you. If you want to know more about the skills and materials of data analysts and big data engineers, you can click other articles on this website to learn

8. Now when it comes to Internet Finance and fintech, the popularity of artificial intelligence and big data risk control soars. Many Internet finance companies with large transaction scale are striving to develop big data risk control technology to build the ability to provide inclusive financial services
then, how do these excellent Internet finance companies play big data risk control
lufax: KYC 2.0 system
accurately judge the risk tolerance of investors
since its establishment, lufax has introced the world's leading fourth generation risk management system and formed a mature risk management data model by learning from the experience of Ping'an group. Recently, it launched KYC 2.0 system, striving to establish a complete Internet wealth management platform investor suitability management system through big data technology, machine learning, financial engineering and other methods, conct "accurate portrait" of investors on the capital side, and provide intelligent recommendation services
it is understood that kyc2.0 system quantifies the evaluation results of investors' risk tolerance on the basis of the original five types of conservatism, steadiness, balance, growth and enterprising. Each user will get the exclusive risk tolerance score, also known as "nut financial intelligence score", which is more accurate in judging investors' risk tolerance
comments: quantify data information and conct big data modeling
the best data for risk control is financial data, such as age, income, occupation, ecation background, assets, liabilities and other credit data. These data are highly correlated with credit, and can reflect the repayment ability and willingness of users. These data factors are indispensable in the risk control model and have high weight, so they are the best data for risk assessment
therefore, Lu Jin's big data risk control based on the experience of Ping An Group uses the credit data around the users, which is highly related to the credit status of the users, and can be used as an important factor to enter, score and analyze the indivial, and finally get a comprehensive score, This is an accurate assessment of risk tolerance for users< Based on the concept of stable, safe and standardized risk control, the risk control department of Mindai Tianxia has determined the principle of "strict risk control" and set up risk control processes such as loan review, loan management and post loan tracking. At present, Mindai Tianxia is making every effort to promote the construction of full intelligence, construct a complete big data risk control system with full link from asset end to platform end, and provide strong power for platform operation and business development through the application of artificial intelligence, big data analysis, knowledge mapping, blockchain and other technologies
in addition to the traditional data, Mindai Tianxia continues to expand its data dimension, such as integrating and analyzing users' social data, access time, relevant authentication, communication records, etc. under the authorization of users, and working closely with third-party organizations such as ant financial services, sesame credit, Qianhai credit, tongn, etc., to further enrich the data portrait of users, Make the big data risk control system of Mindai world more accurate, so as to realize pure online intelligent services from customer application, acceptance, audit, credit, loan to in loan and post loan management
comments: broadening data dimension is a supplement to traditional risk control
the traditional risk control model has been unable to adapt to the complex modern risk management environment, especially in the data entry dimension, there are many information that affect the user's credit score, and many of them are not introced into the risk assessment process. Big data risk control can provide comprehensive data (data breadth), strong related data (data depth) and effective data (data freshness)
with such big data risk control, Mindai Tianxia, through cooperation with a third party and other means, will connect and integrate the internal data and the original data, which will affect the risk assessment results, improve the level of credit risk management, and objectively reflect the risk level of users. These multi-dimensional, comprehensive information is the advantage of big data risk control, but also a good supplement to the traditional risk control, to further achieve intelligent services
zhenrongbao: Based on data medium
the core technology of building data and model algorithm
zhenrongbao is based on data medium, uses distributed computing to process data, takes the whole network of the public Internet as the platform, and uses the data collected by the whole network to supplement the data of Intranet integration. And in terms of user data, an electronic file is established for each new user to understand and register the investment needs of each user, and multiple backup is made for each fund to form dynamic user fund data
in addition, zhenrongbao also uses big data to make decisions, turning financial activities into intelligent data processing activities, recing the interference of human factors, and improving the ability of risk assessment, analysis and early warning. The information provided by big data makes zhenrongbao's decisions more scientific and intelligent, and plays a very important role in the accuracy control of risk control
comments: data and model algorithm can establish real-time risk management view
the data collection and computing capabilities of big data can help enterprises establish real-time risk management views. With the help of comprehensive multi latitude data, risk control model of self-learning ability, real-time calculation results and bad seed data, zhenrongbao can proce very effective ability to identify customers and improve quantitative risk assessment ability through a large amount of data accumulation
data, technology, model and analysis will become the four key elements of credit risk assessment, and the power behind them is the technology and analysis ability of big data. Zhenrongbao uses the risk control ability of big data to output risk factor information in real time, which improves the timeliness of risk management
risk control has always been the lifeline of financial institutions. Taking the three Internet finance companies, lujinsuo, mindaitianxia and zhenrongbao, as an example, it is estimated that in the future, each Internet finance company engaged in lending will develop its own big data risk control system, and with the growing business data of Internet start-ups, the data base will graally be solid.