Research On The Credit Risk Management Of The Internet Microcredit

The birth and development of the Internet microfinance industry has enriched China's multi-level inclusive financial service system,making financial services more innovative,free and convenient.However,the Internet microfinance business is an immature industry in China,and many of the problems in its business development have not yet been thoroughly and systematically studied and demonstrated.In recent years,risks have been exposed,among which credit risks are the most prominent.Has attracted a lot of attention.In this context,based on theoretical analysis and representative case analysis,this paper makes an in-depth study on the risk management of Internet microcredit.First of all,this paper collates some research results on Internet finance and Internet microcredit risk management at home and abroad,and expounds the general situation,risk environment and characteristics of small loans on the Internet in detail.Secondly,select our country's first Internet small loan company,analyze its business model,current situation of credit risk management and risk management method,and then learn from its successful credit risk management experience.Then,we put forward the improvement and innovation of the credit risk management mechanism of Internet microcredit companies,and set up a new type of credit risk management mechanism that is linked in three stages,namely,before,during and after the loan,in the process of lending.We have innovated and designed a credit risk early warning system for small Internet lending businesses,built a credit risk pre-warnings indicator system,and correctly obtained the weight of the indicator system by combining the AHP and entropy methods.And using the fuzzy grey comprehensive evaluation method to carry on the concrete calculation and the analysis verification to the business case,obtained the reasonable result.Finally,some external suggestions are put forward on improving the risk environment of Internet microcredit companies and improving the function and effect of the new credit risk management mechanism of Internet microcredit.