摘要
网络借贷的概念始于欧美发达国家，得益于计算机技术的飞速发展，网络借
贷平台首先在发达国家兴起，最初的网络借贷业务类型为 P2P 模式。我国首家
网络借贷平台宜信，于 2006 年创立并将 P2P 的理念和运营模式引入国内，随后
取得了快速发展和显著的成功。在我国特定的经济环境和互联网金融环境影响下，
一方面，网络借贷在借鉴外国经验和自主创新方面，都取得了巨大的成就。另一
方面，国内互联网巨头，如百度、阿里巴巴、腾讯、京东等企业，也在自身业务
特点基础上创造性的发展了各自的互联网金融业务平台，旗下的网络借贷业务也
独具特色。国内网络借贷行业经过十年的发展，已经实现了传统模式的成熟运作，
新模式的不断发展创新，并结合不断发展的大数据、云计算等计算机技术，在业
务发展、风险控制等多个层面，走上了科技引领行业发展的创新之路

本文针对互联网金融时代大数据背景下的网络借贷发展现状，第一方面，通
过对大数据概念的解读，结合大数据在网络借贷中实际应用案例，发掘大数据对
网络借贷发展创新的重要作用和意义，从而为大数据技术更高效地应用到实践中
来找到理论基础和现实依据。第二方面，研究发达国家网络借贷领域大数据的应
用现状，国内网络借贷领域大数据的应用现状，结合蚂蚁小贷、京东金融、宜信
三家公司的实际案例，研究大数据在网络借贷领域的应用方向与前景，找到大数
据与网络借贷业务实践相结合的关键点，指导网络借贷业务的大数据创新与应用，
使研究更加具备现实意义。在理论上，得出适合网络借贷领域的大数据应用方向

在实践方面，分析大数据在网络借贷业务方面的应用发展情况，得出大数据研究
的重要性，对大数据应用发展战略进行分析，从而使网络借贷在大数据的应用层
面有理论参考，为大数据时代网络借贷的发展进步提供理论基础和实践指导，以
达到促进互联网金融时代网络借贷不断发展进步的目的

关键词：互联网金融，大数据，网络借贷，蚂蚁小贷，京东金融，宜信II
ABSTRACT
The concept of network loan started in the developed countries, thanks to the
rapid development of computer technology, network loan platform first emerged in
developed countries, the initial network loan business type are the P2P model. The
first network loan platform in China CreditEase, founded in 2006, brought P2P
concept and operation mode to China, and then achieved rapid development and
significant success. Under the specially designated economic environment and the
Internet financial environment of our country, on the one hand, network loan in
foreign experience and innovation, has made great achievements. On the other hand,
the domestic Internet giants such as Baidu, Alibaba, Tencent, Jingdong and other
enterprises, but also creative in their own business characteristics on the basis of the
development of the Internet financial service platform of the network&39;s loan business
is unique. After ten years development, the domestic network loan industry has gained
the good results that traditional model achieve mature operation, new model develop
and innovate , combined with the development of computer technology like big data,
cloud computing , in business development, risk control and other aspects embark the
way that science and technology lead to the development of the industry innovation.
Under the background of big data in the era of the internet, this thesis focus on
the present situation of the development of big data industry, in the first aspect,
through the interpretation of the concept of big data, big data combined with the
practical application case in the network loan, the importance and significance to
explore big data of innovation network development loan, and big data technology
more efficiently applied to practice to find the theoretical basis and practical basis.
Second aspects of application research in the field of big data network loan in
developed countries, the application status of the domestic network loan data,
combines with the small loans, financial Jingdong, the actual case letter of three
companies, the application direction in the network loan and the prospects of the
research data, the key point find the big data and network loan business practice, big
data innovation and application of the guidance of network loan business, make the
research more practical significance in theory, The big data application direction for
network loan areas. In practice, the application analysis of the development situation
of big data in network loan business, the importance of big data research, big data
application development strategy analysis, so that the network loan has theoretical
reference in the application level of big data, provide a theoretical basis and practical
guidance the development and progress of the era of big data network loan, to
promote network loan of Internet Financial Times of continuous development and
progress.
KEY WORDS:Internet Finance, Big Data, Network Loan, Ant Micro-credit Loan,
Alibaba Cloud Computing, CreditEaseIII
目录
中文摘要 ...........I
ABSTRACT.....II
第 1 章 绪论 .....1
1.1 研究背景和研究意义.....1
1.2 国内外研究现状.2
1.2.1 国外研究情况 ..........2
1.2.2 国内研究情况 ..........3
1.3 研究内容与论文结构.....4
1.3.1 研究内容 ......4
1.3.2 论文结构 ......5
1.4 本章小结..6
第 2 章 大数据与互联网金融概述.....7
2.1 大数据概念解读...........7
2.1.1 大数据的概念 ...........7
2.2 互联网金融概念解读...7
2.2.1 互联网金融的定义 ..7
2.2.2 互联网金融与传统金融的理论基础、运营基础与模式对比分析 ..........8
2.2.3 互联网金融与大数据的关系 ..........9
2.2.4 网络借贷及其相关环节的概念及特征 ....11
2.3 发达国家大数据在网络借贷中的应用现状...15
2.3.1 美国的大数据应用现状 .....15
2.3.2 德国的大数据应用现状 .....16
2.3.3 日本的大数据应用现状 .....17
2.4 国内大数据在网络借贷中的应用与发展现状18
2.5 本章小结19
第 3 章 大数据在网络借贷中的应用分析...20
3.1 大数据的作用和意义解读.......20IV
3.1.1 精准营销，获得点击率与购买率的最大化 .........21
3.1.2 信用评估，增强风险控制能力，提升互联网金融核心竞争力 .21
3.1.3 风险监管，控制并降低违约风险发生概率 .........22
3.2 大数据征信的发展现状22
3.2.1 大数据征信发展现状概述 .22
3.
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