Design And Implementation Of P2p Pre-lending Approval System For P2P Network Lendingbased On Anti-fraud And Credit Risk Assessment

P2P is an abbreviation of "peer to peer" or "point to point" in English,which means peer-to-peer(or peer-to-peer)online borrowing.It is a private micro-lending mode that gathers small amounts of funds and lends them to people in need of funds.The birth of P2 P has developed the traditional financing method from offline to online,fully meeting the capital needs of borrowers,and providing a new investment channel for investors with the demand for wealth appreciation.Different from the traditional bank loan approval process,which takes a long time,an important competitiveness of P2 P online lending industry is the fast pre-loan examination and loan to account.Unfortunately,the following situation is that P2 P industry is full of loan frauds and frauds,with frequent overdue and default,leading to a staggering amount of bad debts of P2 P online lending platforms,which has seriously affected the healthy development of the industry.Therefore,pre-loan auditing has become a very important business of P2 P lending platforms.This paper designs a pre-lending approval system for the P2 P network lending platform,which aims to provide a relatively safe and reliable pre-lending risk control method for the P2 P network lending platform.The approval process of the system design can be divided into two major modules,one is the pre-lending anti-fraud audit,and the other is the user credit risk rating.The former is based on existing research,re-analyzes pre-lending fraud and attribute characteristics,summarizes attributes that are highly relevant to anti-fraud,and then designs anti-fraud detection based on rule base and uses it from all loan applications.Identify and filter malicious fraud,fraud,etc.;the latter refers to the relevant work of banking credit risk assessment,and combines the actual situation,the credit risk assessment work is transferred to the P2 P network lending industry,analysis and design based on static initial Credit risk assessment combined with credit score and dynamic behavior score.On the basis of anti-fraud detection filtering fraud application,the user default risk assessment is carried out according to the information provided by the user,and the user application is divided into three categories: recommendation rejection,recommendation acceptance and manual review according to the user default risk.The system classifies these three types of applications into the black/white/grey list and saves and updates them.As the core data accumulated in the development of the P2 P network lendingplatform,the system further enhances the pre-lending approval efficiency of the system.Based on the above work,this paper designs and implements the P2 P pre-lending approval system and tests the function and performance of the system.The implementation of this system basically meets the requirements of P2 P online lending platforms for pre-loan examination and approval,including convenient anti-fraud detection,credit risk assessment and black/white/grey list management,thus greatly reducing labor and time costs and improving the efficiency of pre-loan examination and approval.