The Design And Implementation Of P2B Investment And Financing Platform For Small And Medium Sized Micro Enterprises

With the rapid developments in Internet technology,there is a good opportunity for network financing platform,showing a broad application prospects.Network financing platform has the characteristics of low threshold,high risk and high return.It is difficult to ensure the smooth operation of the platform by using traditional management methods.Therefore,it is of great significance to study the various behaviors of customers for the management of platform risk.The thesis,describes the current situation and future trend of P2 B investment and financing platform,and analyses the characteristics of P2 B investment and financing platform.Then mining user data,using P2 B investment and financing platform transaction forecasting model based on improved time series model,the existing problems of current transactions are analyzed,and the future trend of the platform is forecasted.In order to reduce the risk of P2 B investment and financing platform,we propose to improve K-Means clustering algorithm to evaluate the credit risk of users,broaden financing channels and ensure the smooth operation of the platform.The thesis,data analysis method is used to make the real production and sales situation and future development trend of the medium,small and micro-sized enterprises users,through the way of data quantification,real and objective response in the system.Quantify the abstract credit information,predict the future development of the platform,and reduce the operational risk of the platform.I hope that in the next step,we can continue to improve the data analysis algorithm to provide more effective credit data for financial institutions.