互联网金融是互联网与金融产业的大融合,产品创新加剧了金融混业和金融产品的复杂化。表面看来,互联网金融使得融资渠道更加多元化,并能有效缓解中小企业融资难等问题,从而服务于实体经济的发展。但是,互联网的技术创新与金融资产的融合,特别是与金融衍生品创新的融合带来了较原有金融风险而言更严峻的双重风险。本文通过对用户行为的多维度数据提取与行为分析,结合大数据分析技术,提出基于大数据的互联网金融征信系统概念框架,对防控信用风险,保护投资者和维护我国金融体系的安全具有积极作用。 Internet finance is a great fusion of Internet and financial industry. Product innovation aggravates the complexity of financial integration and financial products. On the face of it, Internet finance has made the financing channels more diversified and can effectively alleviate the financing difficulties of SMEs so as to serve the development of the real economy. However, the combination of technological innovation and financial assets in the Internet, especially with the innovation of financial derivatives, poses a more serious dual risk than the original financial risks. Based on the multi-dimensional data extraction and behavioral analysis of user behavior and big data analysis technology, this paper proposes a conceptual framework of Internet-based financial credit information system based on big data, which has the functions of preventing and controlling credit risk, protecting investors and safeguarding our financial system positive effects.