金融大数据信息服务平台

紫云智慧公司自2021年起就开始研发金融大数据信息系统，基于政务信息共享平台，对社保、房产、市场监管、公积金、公安、民政等数据进行大数据分析，帮助银行快速信贷决策做数据支撑。破解因贷款信息采集使用难而造成的信贷增长瓶颈。通过创新“大数据信息+智能化贷款审批”方式，率先探索解决农户、个体工商户和小微企业等群体融资难、融资贵问题。根据金融机构模型指标，经过数据抽取、数据清洗、数据处理，将分析结果输出给服务调用方，实现“用数不见数”，确保数据安全、不出云，为金融行业扩大客户群体提供数据支撑服务。平台的运营解决了金融机构人工采集居民和企业信贷相关信息耗时长、不精准、效率低、风险大的问题，提升了银行放贷效率和安全，也让个体工商户和小微企业等群体享受到普惠金融的便利，支持经济社会高质量发展。

Since 2021, Ziyun Wisdom has been developing a financial big data information system. Based on the government information sharing platform, it conducts big data analysis on data from social security, real estate, market regulation, housing fund, public security, civil affairs and other fields, providing data support for banks to make rapid credit decisions. It breaks the bottleneck of credit growth caused by the difficulties in collecting and utilizing loan information. By innovating the "big data + intelligent loan approval" model, it takes the lead in exploring solutions to the difficulties and high costs of financing for rural households, self-employed industrial and commercial households, small and micro enterprises and other groups. Based on the model indicators of financial institutions, after data extraction, data cleaning and data processing, the analysis results are output to service callers, realizing the concept of "access data without touching the data", ensuring data security and that data does not leave the cloud, and providing data support services for the financial industry to expand their customer bases. The operation of the platform solves the problems of time-consuming, inaccurate, low-efficiency and high-risk manual collection of relevant credit information for residents and enterprises by financial institutions, improves the efficiency and security of bank lending, enables groups such as self-employed industrial and commercial households and small and micro enterprises to enjoy the convenience of inclusive finance, and supports high-quality economic and social development.

搜集汇总

背景与挑战

背景概述

该数据集由紫云智慧公司开发，基于政务信息共享平台整合多源数据，通过大数据分析支持银行信贷决策，特别针对农户、个体工商户和小微企业解决融资问题，同时确保数据安全。