Research On The Application Of IPC Creidit Technology In The Background Of Big Data Era

With the rapid development of Internet technology,big data has been applied in many industries.In addition,our government attaches great importance to private small and micro enterprises and their financing.In resolving the financing of small and micro enterprises,the composition of lending institutions also has a new pattern.The financing channels of small and micro enterprises have unprecedented breadth,including state-owned banks,joint-stock banks,city commercial banks,small and medium-sized financial institutions,P2P Internet financial companies,small loan companies and private lending.But the situation that small and micro enterprises can not finance is still grim.The main point is that all kinds of institutions still remain in a certain risk control mode for small and micro enterprises,without effective integration.When state-owned banks and joint-stock banks support small and micro enterprises,they mostly lend money to small and micro enterprises with collateral.Credit customers,such as pipelining,are mostly targeted at some small and micro enterprises that open accounts and settle accounts in their own banks.If there is no corresponding micro-credit technology,city commercial banks will only stay on mortgage loans.A few of them used German IPC credit technology to support unsecured small and micro enterprises and individual businesses,but because of the high cost of management and the meager profit,they often suffered from operational difficulties.Peer-to-peer Internet financial companies mostly use big data to credit small and micro enterprises,and because of the difficulty of collecting and sorting out the whole data of small and micro enterprises from big data resources at this stage,it is difficult to control risks well by evaluating the risk situation of small and micro enterprises based on big data.First,it is difficult to meet the individual credit needs of small and micro enterprises;second,it is easy to overdue.The"thunderstorm" events of several P2P companies in 2018 illustrate the singularity of their wind control methods.This paper mainly adopts the method of literature study and case study to illustrate the advantages and limitations of the large data wind control model by analyzing the principles and characteristics of the German IPC credit technology and the advantages and limitations of the technology and the application cases of big data in the field of Internet finance.Then,with the successful case of A Internet Finance Company applying big data and IPC credit technology,the study of its wind control mechanism shows the superiority of this wind control mode at the present stage.For small and micro enterprise lending institutions to combine their own strategic positioning,choose more in line with their own business development of wind control process for reference.The conclusion of this paper is that in order to compete for the credit resources of small and micro enterprises at this stage,the loan service institutions of small and micro enterprises should increase the allocation of online and data technology reserves as soon as possible,increase the reserve of technology,and consider the solution of cloud technology.At the same time,people-oriented to talent-oriented rapid transformation.We will increase our reserve of marketing technicians,financial technicians and risk managers.