The credit risk evaluation framework which is based on big data has been adopted by many domestic and foreign internet financial institutions in recent years. ANBOUND think tank scholars believe that with the open up of civil credit information market, more and more organizations will enter this field. The trend that big data will reshape the finance industry is becoming increasingly clear. Big data credit information organizations are going to gradually replace commercial banks, become the foundation of economy and finance operation in credit society, and promote the development of finance industry, especially inclusive finance.