A Research On The Comprehensive Credit Evaluation System Of E-commerce Small Loan

With the popularity of mobile Internet and the rise of e-commerce trading platform,a large number of small businesses through e-commerce platform for the sale of goods to grow rapidly,comes with this group for the huge potential demand for credit service."E-commerce small loan" arises at the historic moment.The combination of e-commerce and small loan,determines the business must be from the characteristics of e-commerce enterprises and the applications of e-commerce business,rely on the real deal scene of e-commerce and the technology of big data,out of a new way different from the traditional bank credit mode.Risk control is the core of all financial business.This article started from the credit evaluation study of e-commerce small loan,trying to find the credit risk evaluation model which is in accord with the characteristics of e-commerce enterprise through the methods of typical case analysis,self-built score model,etc.To provide intelligence support in e-commerce small loan risk control that the author is working on,and also make some contribution to the development of e-commerce and internet financial industry.This article is divided into five chapters,which follow the structure of "Introduction-Concept Definition-Case Analysis-Model Design-Conclusion".The core chapter took Ali small credit loan product as an example,analyzed the credit evaluation dimension and scoring standard of e-commerce small loan,and stated the value and significance of credit evaluation of e-commerce small loan.A set of comprehensive credit evaluation system was designed according to the characteristics of e-commerce enterprises."Comprehensive evaluation" and"business evaluation" these two core dimensions were proposed,which revealed the credit risk degree in the aspect of "repayment intention" and "repayment ability".Then a real e-commerce enterprise case was utilized to validate the evaluation model.In the end,the characteristics of the credit evaluation model of the e-commerce small loan were summarized and future thinking towards the development direction of the industry was discussed.The shortcomings of this model were mentioned at the same time.