Research On Risk Control Of Internet Financial Personal Loan

The continuous development of the science and technology in our country,and promote the development of the Internet industry,on the traditional financial industry gradually given birth to a new industry-the Internet financial,in this environment,under the positive impact of the Internet financial also obtained the good development,at the same time with the commercial Banks have been intensifying competition,even in the Banks are running pattern and management pattern.At present,the domestic Internet credit financing platform in the daily operation process is also facing a lot of business risk,the author in the process of in-depth study,the content of the selected topic of Internet financial credit risk has carried on the quantitative analysis,using more scientific and advanced research methods,explore the Internet in our country at present stage various operational risks faced by financial credit platform.Firstly,this paper briefly introduces the research status of scholars at home and abroad.Then,under the premise of the detailed understanding of the risk assessment mechanism of Internet finance credit,the Internet finance credit model at home and abroad is compared and analyzed.Finally,according to the author on the Internet: an empirical study of financial credit analysis,with reference to the results of the analysis,the domestic Internet financial credit platform is facing many difficulties in the management of personal related recommendations.Pointed out that in the Internet financial credit,actors is the trust or fraud,this is driven by a combination of cultural choice,therefore,to analyze the evolution of the trust or fraud preferences.This paper mainly studies and solves the problem of credit and risk.In this paper,the trust or fraud in Internet financial credit is adjusted,and the average and extreme equilibrium is obtained.By embedding the theory of social network,it provides a path to the credit problems caused by information asymmetry in the development of Internet finance in China.The author in the actual research process,the content of the selected topic to improve the content of authenticity,availability,specially collected three large domestic Internet financial credit agency data released by the author's empirical studies.Based on the actual development of the domestic Internet credit financing platform and the basic idea of the credit risk of these two aspects,the use of scientific and efficient Logistic regression model and Neural Network Model in SVM models have carried on the strict to credit risk evaluation.The evaluation results can fully reflect the evaluation and analysis of the model applicable to credit risk,which is of great help to our government in the construction of the domestic Internet financial credit risk assessment system.Furthermore,the paper gives some Suggestions for optimizing the Internet finance in China based on the risks and problems of the Internet finance associated with the summary.