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Exploring the Improved Personal Credit Scoring Model of Ant Financial Services in its Disruptive Innovation Process

机译：探索其破坏性创新过程中蚂蚁金融服务的改进个人信用评分模式

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摘要

Ant Financial Services, by taking cloud computing and big data as underlying facilities and credit system as basis, opens up low-end small and micro and individual customer market which is not satisfied in traditional financial market by disruptive service modes and concepts. "Sesame Credit" with unique digital credit means, aiming at accurately measuring personal credit score, is one of the key links for Ant Financial Services to carry out disruptive innovation. Sesame Credit is in open beta period, in spite of wide attention and remarkable achievement, it is still at the experimental stage with certain limitations. Thus, this paper first discloses the disruptive innovation characteristics that Ant Financial Services has, then analyses and discusses the scoring of Sesame Credit, and finally on this basis proposes an improved personal credit scoring model.
机译：蚂蚁金融服务，通过将云计算和大数据作为基础设施和信用制度作为基础，开辟了低端的小型和微型和个人客户市场，这些客户在传统的经济市场中不满足于颠覆性的服务模式和概念。 “芝麻信用”具有独特的数字信用方式，旨在准确衡量个人信用评分，是蚂蚁金融服务开展中断创新的关键环节之一。芝麻信用额在开放的测试期间，尽管有广泛的关注和显着的成就，但它仍处于实验阶段，具有一定的局限性。因此，本文首先披露了蚂蚁金融服务的破坏性创新特征，然后分析并讨论了芝麻信用的评分，最后在此基础上提出了改进的个人信用评分模型。

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