At the just concluded two sessions of the country, personal credit reporting, like financial technology and risk management, has become a hot topic in many motion proposals made by members of the financial sector. Shang Fulin, member of the CPPCC National Committee and former director of the China Banking Regulatory Commission, also made a clear call in the group discussions to speed up the construction of a socialist credit system and reduce transaction costs and management costs. Through legislation, reward and punishment measures, increase publicity efforts, and through the Internet and big data [Note] and other means to improve the business and personal credit information system. In fact, credit was once regarded as the cornerstone of financial and related industry exhibitions. Without a sound credit investigation system, the cost of auditing and risk control will inevitably increase, and the dimension of information collection will be greatly restricted. Ping An Technology, as a science and technology think tank of Ping An Group, has been providing IT planning, development and operation services to the group companies and all its subsidiaries all along. At the same time, Ping An Technology, based on the group's resources advantages in scene-based services in the financial field, Cloud computing [Note] and other technical achievements and transformation, and fully tap the large number of data fragments in the relevance of the data statistical model to promote continuous improvement, more scientific reflection of the user's credit status. It is reported that, as early as 4 years ago, Ping An Technology began to focus on data, through the cleaning, integration, etc., on the underlying data in-depth comprehensive application. Data collection for all subsidiaries and related partners has now been completed and a very clear and well-defined system and different models have been formed through the integration of internal and external data. Dr. Xiao Jing, Chief Director of Ping An Science and Technology Big Data, said that this was done because previous data was stored on various islands, scattered and lacked strong clues leading to the lack of value of data, such as the need for more accurate identification of fraud When the data can not be associated with the rescue can not play the role of logical analysis. At the same time, Ping An Group, as an important carrier of Ping An Group's move toward IT specialization and practical exploration into "science and technology finance", also conducts risk control in providing financial services to its customers through big data analysis and mining. For example, in the credit business In terms of risk control, relying on the analysis of big data in the backstage, the creditability and repayment ability of the lenders can be clearly judged through the lender's past data behavior when auditing the loans (+) Business information base. Xiaojing believes that the use of big data for credit risk assessment generally need to meet three conditions: First, a clear score modeling methodologies, processes and data; the second is to accurately establish the model for different risk groups have the ability to distinguish and sorting ability Third, data, methods and models are stable across different populations and time spans. At present, the safe science and technology has entered the deep learning phase of artificial intelligence, fully capable of using data mining, machine learning, advanced learning and other cutting-edge technology, a variety of structured and unstructured data refinement classification management, Depth mining data values ​​and visual visual rendering, draw a full range of multi-dimensional user portraits and product portraits, so as to better control the risk. It can be seen that for financial institutions, the value of big data is mainly reflected in the ability of early warning of various risks, which enriches the data dimension of credit risk assessment and expands the scale and data dimension of credit data. Ping An technology is precisely through the use of artificial intelligence technology to dig deep into big data and apply it to many financial services scenarios such as risk control, insurance pricing, fraud detection, loan risk control, precision marketing and more. At present, the Ping An Science and Technology Big Data Project has established an industry risk model covering 34 provinces in the country and covering 19 first-class national-class industries, generating dozens of index products such as risk index, prosperity index and industry key index to improve systematicness The quantitative measurement of risk is over 30%. Xiaojing said that based on the accumulation and integration of many years of big data, Ping An Technology is still constantly improving its own ecosystem of scene-based services and will continue to contribute to the promotion of many traditional industries such as finance and health in the Internet + and DT era Wisdom and strength.