大数据 ›› 2018, Vol. 4 ›› Issue (1): 117-123.doi: 10.11959/j.issn.2096-0271.2018012

• 专栏：2017年度大数据应用实践Top10 • 上一篇    

金融科技在互联网金融行业性风险防范领域的应用

胡鹏飞   

  1. 北京宜信致诚信用管理有限公司，北京 100022
  • 出版日期:2018-01-15 发布日期:2018-02-05
  • 作者简介:胡鹏飞（1983-），男，北京宜信致诚信用管理有限公司技术总经理，主要从事分布式平台、高并发、高可用系统和大数据的应用和研究工作。

Application of FinTech in internet financial industry risk prevention

Pengfei HU   

  1. Zhicheng Credit Service Co.,Ltd.,Beijing 100022,China
  • Online:2018-01-15 Published:2018-02-05

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摘要：

互联网金融领域出现的越来越多的欺诈风险、多头负债等现象，已经严重影响了行业的健康发展。详细分析了互联网金融行业面临的挑战，采用分布式架构设计及API调用技术，设计了一个行业机构间的共享生态系统，并以知识图谱为底层架构，设计了更适用于金融场景的社交网络图谱，构建了反欺诈的风控体系，实现了互联网金融行业数据的互联与互通，有效防范了行业多头负债的发生，提升了行业反欺诈能力。

关键词: 反欺诈, 共享平台, 知识图谱

Abstract:

In view of the increasing fraud risk and long-term liabilities appearing in the field of internet finance,the healthy development of the industry has been severely affected.The challenges facing the internet financial industry were analyzed in detail.Based on distributed architecture design and API calling technology,a shared ecosystem between industry organizations was designed.A social network knowledge graph for a financial scene was proposed.The anti-fraud risk control system was designed.The industry’s anti fraud ability was promoted.

Key words: anti-fraud, share-platform, knowledge graph

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