Finance service based on big data faces many issues, such as fraud, credit. In this paper, we study the development of financial business model under the big data. We first analyze the impact mechanism of big data finance on customer information protection of commercial banks. Customer information has the characteristics of large amount of information, high value of data and strong destructive data leakage. Then, we propose two solutions towards issues of finance service including face anti-spoofing algorithm and financial risk evaluation. Experiments show the effectiveness of our proposed method in improving the reliability and security of modern big data finance.

基于大数据的金融服务面临许多问题，例如欺诈，信用。在本文中，我们研究了大数据下金融业务模型的发展。首先，我们分析了大数据金融对商业银行客户信息保护的影响机制。客户信息具有信息量大，数据价值高，破坏性数据泄露性强的特点。然后，针对金融服务问题提出了两种解决方案，分别是人脸反欺骗算法和金融风险评估。实验表明，本文提出的方法在提高现代大数据金融的可靠性和安全性方面是有效的。