互联网金融企业数据共享的必要性和可行性分析——基于KMRW模型与信息成本价值论

金融的核心之一是风险控制，而利用大数据技术控制风险已是趋势所向。不同互联网金融企业在其数据获取渠道以及拥有的数据类型方面各有优劣，但他们在风险控制与降低信息成本方面有着共同目标。可由于企业自身的数据量有限，导致不能很好地通过大数据处理去风险评价和控制风险。通过用信息价值成本论和简化的声誉模型研究了企业之间通过共享数据去扩充企业数据量的必要性和可行性，指出共享数据库有助于降低信息不对称程度，降低企业风险，有助于企业长期发展，也有助于互联网金融朝着普惠金融的目标实现。

The Analysis of the Necessity and Feasibility for Internet Financial Enterprise Data Sharing

One of the core for financial is risk control, and control risk by the big data technology is the trend. Different internet financial companies have their own advantages and disadvantages in their access to data and data types, but they have a common goal in risk control,it is reducing the cost of information. However, due to the limited amount of data of the enterprise itself, the risk assessment and risk control can not be well processed through the large data processing. Using the theory of the value and the cost of information and reputation model simplified on the feasibility and necessity of enterprise through the sharing of data to expand the amount of data, pointed out that the shared database helps reduce information asymmetry, reduce the risk of enterprises, contribute to the long-term development of the enterprise, also contributes to the Internet finance towards inclusive financial goals.