| The competition in the financial market is becoming increasingly fierce.Among the dazzling array of credit products,the personal comprehensive credit business can be described as the leader in the bank’s gold-absorbing business.Consumer loans,for example,are now almost a must for most people.Major banks are also showing their magic powers,expanding their personal credit scale and broadening their customer base,which also makes the potential loan risks of financial institutions arise and spread silently.At present,the bank aims to expand the credit scope and credit limit,which not only weakens the comprehensive factor model of pre-loan risk,but also ignores the diversity and complexity of post-loan risk monitoring,which makes individual comprehensive credit loans face various default risks.The personal customer credit data has the characteristics of lagging update and non-sharing,resulting in the situation that the same risk event information is not shared among financial institutions,and it is impossible to maintain a healthy development environment for personal credit business from the source.In addition,driven by the interests of ensuring their own business performance,banks cannot fully face up to the potential risks of credit granting,and even ignore and avoid exposed loan risks.Through data analysis and literature analysis,this paper summarizes that in the current personal comprehensive credit business market,the problem of loan overdue rate rising year by year and the replacement of loan funds are becoming more and more serious.In order to solve the current loan business risk problem on the basis of traditional risk monitoring technology,the thesis starts from the perspective of loan use replacement,and uses the construction of accurate customer portrait model and micro-case analysis to propose that the current personal comprehensive credit business in the financial market urgently needs to be solved.Considering the limitations of traditional customer portraits,the article intends to work hard on data extraction and data screening to solve the problems of timeliness,authenticity,integrity and objectivity of data updates in customer portraits.As a global strategic cutting-edge technology,it is practical and feasible to introduce a customer portrait model.The classification function of the SVM model should also be brought into full play.This is not only conducive to the extraction of important data,but also to the classification and updating of core data.The research focuses on the diversity of post-loan uses,and grasps the most important risk points in the weakened link.In order to achieve the purpose of visualizing risk data,it is planned to use the effective measures of epidemic prevention work to build a personal credit information financial health code on the basis of the establishment of the customer portrait model,so that the personal comprehensive credit business can live a "life on the code",and mandatory in the financial industry.The financial default vaccine is implanted in the brains of the market main customer groups,both visible and invisible,in an effort to achieve herd immunity and clear the financial environment.By analyzing the core data of the problem,build an accurate model of customer portraits on the basis of the economic data for loan purposes,extract the economic action trajectory data by using the decentralized features of blockchain technology,and then superimpose the screening function of the SVM model to pass the customer portraits.The visual display of financial QR codes achieves the purpose of focusing on key risk factors and strictly controlling key risk factors. |
