信用评分日益成为各金融机构贷款的依据，互联网征信则是对传统征信的巨大变革与挑战。由于物联网、大数据以及云计算的进步，采集互联网的用户行为数据，其数据量广泛，来源众多以及实时更新的优势可以更加全面、及时、准确的反映个人征信的特征及其变化。本文基于分析互联网的用户行为，利用AHP-模糊综合评价，建立了智能化信用评价体系模型框架。
Credit evaluation is becoming the basis of loans of various financial institutions, and Internet credit investigation is a great revolution and challenge to the traditional credit investigation. With the enormous development of the Internet of things, big data and cloud computing, the collection of user behavior data of the Internet has the great advantages of extensive data volume, numerous sources and real-time update, which can reflect the characteristics and changes of personal credit investigation more comprehensively, timely and accurately. Based on the analysis of Internet user behavior, this paper establishes the model framework of intelligent credit evaluation system by using AHP-fuzzy comprehensive evaluation.