关键词: 大数据信贷, 互联网银行, 新网银行

Abstract: There exists two major types of participants in the field of big data credit in China at present: internet companies and traditional commercial banks Internet companies obtain user information mainly based on huge amounts of data accumulated from their own ecommerce platforms or social platforms Traditional commercial banks collect considerable information by building big data platform relying on their own transaction accounts or the open data from government platforms, or alternatively by cooperating with existing ecommerce platforms However, there is a common problem in both patternspoor replicability Based on the firsthand data analysis of the three largest Internet banks in China, WeBank, MYBank and XWBank, this paper explores the “Third Way” of big data credit suitable for plenty of small and mediumsized commercial banks, which doesnt rely on its own Internet business ecosystem nor depending on data of its own accounts or government platforms

Key words: Big Data Credit, Internet Banks, XWBank