基于大数据的风控模型正在成为互联网金融领域一个热门的战场。业内普遍认为,谁在这个领域实现突破,谁将制胜下一步的互联网金融市场。现如今,大数据风控在互联网金融领域的运用已不是新鲜事。譬如,阿里小贷,它依托于阿里巴巴庞大的数据库,通过云计算来对用户数据进行分析处理,最终产生用户的信用数据。阿里数据库的数据种类之多、容量之大,使得阿里小贷能通过现有数 A wind-control model based on big data is becoming a hot battlefield in the field of internet finance. The industry generally believes that who in this area to achieve a breakthrough, who will win the next step of the Internet financial markets. Nowadays, the use of big data risk control in Internet finance is nothing new. For example, Ali small loan, which relies on Alibaba huge database, through cloud computing to analyze user data, and ultimately generate user credit data. Ali database as many types of data, large capacity, making Ali small loan through the existing number