Research On Big Data Credit Reporting Applying To The Credit Risk Management Of Consumer Finance

With the release of our government's policy dividend to encourage more consumption and promote consumption promotion,national consumer consciousness changes,demand for advanced consumption is vigorous,the supply of consumer credit has increased,consumer finance industry has mushroomed.Industry rivalry is intensifying,the problem of over-credit and multi-head common debt is frequent,and the demand for comprehensive and efficient credit risk management needs to be satisfied.With the gradual improvement of the credit reporting system in our country,the big data credit reporting has made up for the shortage of traditional credit reporting and has been widely used in the consumer finance industry.In this context,it is urgent for the economic and financial theory and practice circles to deeply analyze the specific application of big data credit reporting in the credit risk management of consumer finance,and to strengthen the application research of big data credit reporting in the credit risk management of consumer finance.This paper starts from the definition of basic core concepts such as traditional credit reporting,big data credit reporting and consumer finance.The paper analyzes the performance and cause of consumer financial credit risk,and details review of the theory that big data credit reporting applying to consumer finance credit risk management.This paper makes a research follow the train of thought of analyzing the current situation,putting forward questions,applying case and making suggestions.This paper analyzes the application of big data credit reporting in consumer finance credit risk management from three aspects of pre-loan,loan and post-loan,and discusses the problems existing in the application of big data credit reporting in consumer finance credit risk management.This paper lists the application of sesame credit in the credit risk management of ant check later,the application of China Chengxin in the credit risk management of car 300,and the application of ZestFinance in the credit risk management of ford motor credit,which are three representative cases.At the same time,the author summarizes the experiences in the process of practical application.Finally,the paper puts forward some suggestions to improve the application of big data credit reporting in consumer finance credit risk management.It is mainly from four aspects: promulgate and improve big data credit reporting related laws and regulations,construct information sharing mechanism,expand the application of big data credit,strengthen the application research of block chain technology.This paper studies the credit risk management of consumer finance from the perspective of big data credit investigation,and explores the application of big data credit,enriches the theory and practice of consumer financial credit risk management.This paper selects and compares the domestic and foreign classic cases,summarizes the practical experience of the application of big data credit reporting in the credit risk management of consumer finance,and puts forward the policy suggestions to perfect the application of big data credit reporting in consumer financial credit risk management.This paper introduces the block chain technology,and discusses its positive role in big data credit and consumption financial risk management.