Taking L Company As An Example To Research The Personal Consumption Loans Credit Risk Control Under The Background Of Internet Finance

Along with the continuous integration of Internet technology and traditional financial industry and rapid development,to grasp the degree of user credit and risk control system,and constantly enhance the penetration of mobile Internet scene,based on real scene consumer Internet consumer financial market prospects.But because of the existence of the Internet financial information gap,most of the platform loan before the breadth and depth of data collection is not enough,and there is a serious moral hazard and adverse selection,which increases the credit risk level of personal consumption credit,and credit risk is the loan chain in the root of the problem.Therefore,how to effectively prevent and control credit risk has become an urgent problem to be solved in the development of Internet banking.First of all,this paper through literature research methods researching of scholars at home and abroad,based on the information asymmetry theory and credit risk control theory,credit risk performance and causes concluded that China's Internet personal consumer credit,and points out the current situation of the credit risk control.Secondly,the use of case analysis,selection of financial technology company,L company as a case study,through quantitative and qualitative analysis,the characteristics of the borrower users are summarized,including the analysis of credit risk.Through the analysis of L company before the loan and the loan credit risk control measures,respectively using ROC curve and the credit risk migration rate data show that L company before the loan credit evaluation model and loan overdue collection means on the credit risk control effect.Finally,through the case analysis of credit risk control in L company,came to the conclusion that compared with that by using comparative study method and the traditional wind control mode,survey technique,L company has the standard flow of credit and professional advantages based on the control model of big data deep learning of the wind.But there are still lack of L's strength of dishonesty disciplinary measures,the accuracy of online credit data to be investigated,information security problems and high rates of problems and deficiencies.Therefore,through the study of "Internet plus consumer finance" this new business model,the selection has the advantage of big data financial technology company as a case study,by absorbing the advantages of credit risk control,to find the deficiencies,so as to control the individual consumer credit under the background of Internet financial credit risk put forward some countermeasures and suggestions in the big data technology,the popularity of the trend,can more effectively control the credit risk.