The Research On Credit Risk Control Of H Net Loan Company

China's economy has entered a new normal.The typical example is the change of China's financial industry.The most outstanding is the development of China's net loan industry(P2P).P2 P has become the leader of the internet because of its high profit and low threshold and its convenient operation to the public.But,the rapid development of the industry can nor cover its problems.China's credit system is not perfect,enterprises risk control system is weak,leading to high bad debts.Many enterprises are unable to make ends meet and finally go bankrupt;and many enterprises face the pressure of high loan repayment.The increasingly prominent risk problem of choosing P2 P,especially the credit risk,not only threatens the orderly development of the financial industry in our country,it also brought a huge negative impact to the financial industry.This paper selects the H net loan platform which has a low dad debt rate as the research object,based on a comprehensive analysis of the business processes and risk management of the platforms business model,the risks of borrowers and lenders in H company are analyzed synthetically,and the data mining technology and regression are used to analyze the risk of H platform,based on thequantitativeanalysis of public information,the model of borrowers credit risk on budget platform is constructed.Then according to the current domestic actual situation and then combined with H company,exploring the factors that lead to credit risk.Finally,based on the reference of foreign enterprises to P2 P credit risk control measures,combined with the actual situation of domestic and H company.It is believed that this will help to future improve the healthy development of the internet financial industry.