Research On Internet Credit Risk Control From The Perspective Of Big Data

China's Internet credit business has entered a bottleneck period after rapid development.Taking the P2 P online lending platform as an example,the platform for normal operation only accounts for less than 1/6.The weak awareness of risk control has led to a large number of platform closures,in order to manage online lending business.The chaos of the country,to strengthen financial risk prevention,the country issued a "Notice on Standardizing the Reorganization of " Cash Loan " Business on December 1,2017" to further regulate online loan business.In the context of strict policies,companies are seeking a way out.At this time,the potential of big data in the field of risk control has been tapped,and many giant companies have found that the big data risk control market has broad prospects,which can not only solve the problem of corporate credit risk but also Service providers provide corresponding risk control products,and the market value of 14 billion allows many companies to begin to deploy big data risk control systems.As a member of financial technology,big data risk control can undoubtedly bring new solutions to Internet credit risk control,but it is of great significance to understand its operation mode and analyze its characteristic advantages and potential defects.By combing the relevant literature,the paper focuses on the application of big data risk control in Internet credit,expounds the big data risk control process,and compares it with traditional risk control to find out the characteristics of big data risk control.In order to further analyze the actual application of big data risk control,Baidu Finance's financial division Xiaoman was used as a case study object to explore its credit business and the risks behind it,and explained the small data big data risk control means.And the specific process.Finally,the problems of the existing credits and the characteristics of the big data risk control itself are analyzed,and the possible vulnerabilities are analyzed.Relevant suggestions are put forward from the aspects of data validity,risk control team construction,personnel internal control management and network data security management.