Design And Implementation Of Auto Loan Risk Control Platform

In the auto finance industry,risk control refers to through the analysis of various aspects of the lender who is going to make a loan to buy a car,to determine whether the lender has the conditions for the loan,thereby excluding the explicit or potential risks,and urge the lender to repay the loan on time after the loan.The risk control of auto loan is not only related to the cost of operation of the company,but also directly affects the capital security of investors.At present,China's auto finance industry has entered a stage of rapid development.The main body of auto finance has changed from Banks and auto finance companies to auto consumer loan companies.However,due to the imperfect credit system in China,compared with Banks and auto finance companies,auto consumer loan companies that have received less qualified customer groups face higher default risk.Based on the Internet and big data,this paper designs and implements a car loan risk control platform of an auto consumer loan company through the research on the current car loan risk control industry,and reduces the default risk of customers and the operating cost of enterprises to the greatest extent.The specific work of the thesis includes:analyzing the demand of the car loan risk control platform;completing the overall design of the system;realizing the main functions of the platform server,including customer qualification review,data display,risk control automatic review,document management and vehicle positioning.The platform uses a distributed architecture as a whole,splitting each function into micro-services,and each micro-service establishes multiple instances to ensure high availability of services,and each micro-service is independent of each other.The distributed file system is used to store customer's credit documents and multimedia data,and a set of data security specifications to ensure the security of customer privacy data.The vehicle loan risk control platform completed by the thesis has been applied to an automobile consumer loan company.The overall operation of the platform is stable,and its availability,safety and maintainability have all reached the expected goals,improving the efficiency of the company's operations and saving operating costs.