| The petty loan companies are playing a growing important role as an effective complement of small and medium-sized enterprise financing channels.However,because of the natural defect of the petty loan companies,they are facing tremendous credit risk.As a result,how to achieve a balance between the credit risk and proceeds becomes a matter of concern to all the petty loan companies.With the development of the internet,people’s habits and customs change rapidly in unconscious.People start to be accustomed to use the mobile phones to pay various life expenses,and are also used to purchase all kinds of goods by installment on the Internet website.Gradually,people choose to use phone app such as Wechat instead of sending texts to communicate with each other.All life paths of people are kept on the internet in unconscious.The Internet produced billions of data everyday but some of them are structured while the others are not.The petty loan companies can utilize these data effectively to improve the ability of credit risk management.Given the circumstance that nowadays data dominates,this report will discuss the basic concept of credit risk management first,then analysis the basic concept of petty loan companies and the formation of credit risk.By analysing relevant theory and combined with practical work experience,this report will introduce the real situation of credit risk management of petty loan companies in our country and discuss deeply on the existing assessment perspective of credit risk management,forms the basic management thought of credit risk management,consider the age of big data,propose a new perspective and thought of risk judgment,through case study,integrate new thought and practice,raise new suggestions for credit risk management of petty loan companies and discuss whether such methods can be used on other petty loan companies or not.In conclusion,the age of big data has provided new methods and thoughts for evaluating credit risk management,based on the original evaluating angle,add the consideration of big data verification in,to prove the authenticity of information that enterprise provided,and form the comprehensive judgment of the borrowing enterprises effectively,to reduce the credit risk of the petty loan companies. |
