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With the rapid development of Internet finance in China for the past few years, big data credit reporting agencies specifically for network credit information have been initially established. An analysis on the technology application, characteristics and operational difficulties of big data credit reporting shows that big data credit reporting in China still has many problems such as inefficiencies in privacy protection, illegal operation, credit reporting standard difference and credit rating model, etc. during its development. Therefore, the above problems can only be resolved if the future development of big data credit agencies in China will be standardized on a risk prevention basis without limiting the market creativity.

Reflection on Big Data Technology: Problems and Countermeasures in "Big Data Credit Reporting" of Internet Finance in China