Study On Risk Control System Of ABC P2P Platform

The credit products of online lending platform are positioned at micro finance,including credit for small,medium and micro enterprises and personal credit.However,ABC online lending platform mainly focuses on the credit of small,medium and micro enterprises,so the risk control system studied in this paper is for small,medium and micro enterprises.The approach of this paper is to design the process logic,functional module and rule model of the risk control system by analyzing the risk control logic and problems of the credit products of ABC network lending platform in detail on the basis of the previous research results and relevant basic theories at home and abroad.In the Third chapter,from the perspective of the micro credit,this paper introduces the ABC network platform lending credit products,including Credit Loan,Enterprise Credit,Sponsor Loans and Home Mortgage Loan.Then each of the credit risk control logic and processes are analyzed in detail.Finally,this paper points out default rates of the credit loan are the highest.The reason may be that in the case of lack of mortgage and the strong guarantee,the weak ability of credit risk controlling of the platform and the weak execution of risk control will lead to higher default rate significantly.In chapter 4,based on the risk control logic of credit products mentioned above,the logic structure and process of risk control system of ABC network lending platform are proposed,and the specific rules of each process module are designed.According to the process of risk control,six common logic modules and four specific logic modules are designed.Among them,the common module is product access,pre-loan anti-fraud,strict control rules,credit rating,credit decision-making,post-loan monitoring,while the specific modules are cooperative agency rating and credit granting,county risk rating and credit granting,county white list screening and real estate value evaluation.The common modules may be Shared by each product,the attribute configuration of each common process based on the rule model can adapt to the risk control standard of different credit products.Chapter 5 and chapter 6 respectively propose the method of model construction for the two most core modules of ABC risk control system,credit rating and credit decision.In chapter 5,the enterprise credit evaluation model is designed to provide the platform with a credit evaluation method for small business of loan.In addition,a hybrid evaluation model combining expert model based on analytic hierarchy process(ahp)and machine learning model based on data training is innovatively proposed.In chapter 6,a default loss rate model based on big data training is proposed to provide a calculation method for the quantitative evaluation of loan losses in loan credit granting.The conclusion of this paper is that the online loan platform should strengthen its own risk control of borrowers and projects,strengthen the monitoring of post-loan business management changes,deepen the practical ability of big data risk control,and promote the scale and intelligence of online loan risk control.Combined with the data model,new risk control variables were found from the big data,and the risk control dimensions were increased,such as registration information change,dishonest execution,equity investment and other dimensions.Actively transform the risk control process,build a standardized online loan risk control system,enhance the quantitative risk control ability of small micro credit of the online loan platform;Make comprehensive use of big data modeling and expert model to improve the accuracy and efficiency of online loan risk control.