| P2P network lending in recent years,the rapid development of the indicators of the growth rate and the scale of loans far beyond people’s imagination.This is the great innovation of Internet finance,but also China’s private lending market transformation and sublimation.P2 P network lending is different from the traditional financial market mode of operation,it broke the banks and other large financial institutions on the market funds,financing channels and financing of the monopoly;through the Internet platform,on the one hand the use of credit risk prevention and control technology to identify the loan business or individuals,on the other hand will be identified after the results made public,with the appropriate lending rate recommended to have idle funds lender,directly through the borrower both borrowing process the barrier.P2 P network loan generation,more full use of the whole society of idle funds,improve the use of funds;in addition,for most middleclass families or individuals to find a more secure than the stock market,the property market,higher than the bank deposit income channels;at the same time,for small and medium enterprises that can not obtain loans from large financial institutions,especially small micro enterprises,P2 P network loan industry to provide them with financing channels to promote the development of small and medium enterprises,with Pratt & Whitney financial significance.However,in the P2 P network loan platform behind the crazy growth,but it is frequent risk events,scams,runway,capital chain breaks and other events occurred in large numbers.Only in February 2017 a month period,the number of problem platforms to reach 54,from March 2016 to February 2017,the number of new problem platforms was 1576,as of the end of February 2017,the cumulative number of platforms reached 3555,while the industry surviving platform is only 2335.Whether it is commercial banks or P2 P network loan platform,risk management is its long-term,stable development of the core.In recent years,the emergence of the problem platform,in addition to some malicious carry money to escape fraud platform,there have been a lot of money strand breaks,low liquidity and can not be redeemed,the platform is not high and the platform is too high leverage Is the P2 Pnetwork loan platform risk management ability test.Unfortunately,P2 P network loan platform test results are not ideal,the traditional risk management technology has been a serious challenge.As a result,industry practitioners and academics will look to the big data technology,combined with advanced international risk management philosophy,the introduction of large data technology into the wind control management,which is the evolution of nature,is the trend.First,this is to keep up with the requirements of the times of technological development.Second,this is to keep up with the same industry application process requirements.Third,this is a response to the complex risk situation.First of all,through the macroscopic analysis of P2 P network loan industry problem platform,combined with a large number of problem platforms to study the case,summed up the risk of China’s P2 P industry;Secondly,from the perspective of industry and the development of the times,the paper puts forward the problem of weak control of P2 P network loan platform by using large data technology.Again,through the establishment of a tripartite credit model,this paper analyzes the non-large data participation credit model and the large data participation credit model,and draws the conclusion that the large data technology can effectively control the credit risk of P2 P network loan platform.Finally,combined with the current large data technology in the application of the industry,lists their development difficulties and make reasonable recommendations.Not only enriched the theoretical research results,while giving P2 P network loan platform a certain degree of guidance. |
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