Research Of Credit Risk Management Platform For P2P Lending Of Y Company Based On Big Data Methods

Peer-to-peer lending is originally developed in the United Kingdom,providing a platform for both lenders and borrowers,to achieve the loan needs in the two sides.In recent years,P2 P industry plays a key role of in the inclusive finance in the promotion of inclusive financial planning.They provide more convenient financing and lending channels for the small and micro businesses and community groups,and greatly promote the development of the real economy,make outstanding contributions to China's inclusive financial industry.However,the entire industry has accumulated a huge risk,due to the lack of standard civil credit system,malicious fraud,collapse phenomenon and so forth.To solve the above problems,how to manage and reduce the risk of lending customers has become a very prominent problem.This paper points out that the risk controlling method of Y company is obsolete,the management tools are out of time,and they were never comprehensive and syntheticcredit risk managementmethods,based on the introduction of the background,characteristics and present circumstances of Y company.Then it does a research of the building of credit risk management platformbased on the current big data analysis,to achieve a forward-looking and strategic significance.This research mainly includes:Firstly,it does some research onpresent circumstances of domestic and foreign loan risk management,do some cases analysis of risk management situation of Y company,emphasize the necessity of the big data processing methodin the P2 P lending risk management.Then some analysis of the present situation of the existing risk assessment strategy,characteristics and the problem of risk management platform will be introduced,combined with Y companynew credit management project.Secondly,it establishesan index evaluation system of the borrower's credit risk,which is suitable for P2 P lending platform.By calculating the person's fraud or default probability and credit score,to assess the size of their credit risk.These models show a high performance in stability and reliabilitywith the test results.Thirdly,onecredit risk management platform architecturewill be designed based on big-data technology,by means of systematized development platform and the current advanced technology.This big-data unified management platform of multiple business data system is verified by prototype system with performance ofhighreliability,high scalability and high efficiency.This study of these decision models based on the big-data above is feasible in the P2 P lending industry,which will greatly improve the risk decision-making efficiency,reduce audit cost,enhance the level of risk control,and it will become the future direction for many P2 P lending companies.From the practical point of view,this research of analyzing thebig-data risk management methods by the combination with the background of Y company P2 P business,can provide the process and specific steps for Y company new credit risk prevention project.In addition,its application process can also provide ideas and decision-making basis for the risk management to other P2 P lending business in China.To a certain extent,it has a high practical value,promoting the development of risk management level in the domestic P2 P lending industry.