| In the past 30 years of reform and opening, micro and small enterprises played an important role in providing jobs, activating the economy environment and meeting the market demand. But they are facing troubles with financing difficulties and high financing costs.It’s seriously hindered the development of micro and small enterprises, and not accord with the trend of mass entrepreneurship and innovation. In recent years, with the rapid development of Internet financial, it provides a new financing channel for micro and small enterprises financing,which is represented by P2P net loan industry. However, with the P2P net loan industry gradually mature, credit risk control of micro and small enterprises has become the focus and difficulty of P2P net loan platform management. This article is targeted at finding methods of micro and small enterprises credit risk control for Chinese P2P net loan platform.Firstly, reference to the traditional financial industry the credit scoring model construction method based on the data mining, this article put forward a credit scoring model construction method based on AHP analysis method. Then through an actual case to introduce the operation process of structuring micro and small enterprises credit scoring model.Secondly, through the analysis of China’s micro and small enterprises credit risk status, and P2P net loan platform micro and small enterprises credit loan business model and product design. This article find out the problems of the P2P net loan platform of micro and small enterprises credit risk management. At the same time, combined with the P2P net loan platform credit risk control organizational structure and business processes, the methods of applying credit risk model in P2P net loan platform risk control process is put forward.Finally, this paper make some suggestions on the current situation of China’s P2P net loan industry and future development, hoping to provide a support for the healthy development of it. |
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