The Study Of Internet Consumer-Finance Risk Management

With the pace of China's economic restructuring to accelerate,promote the financial effect on the real economic development has become increasingly prominent,the development of consumer finance,expanding domestic demand,stimulating consumption"has gradually become a new growth point of China's economic development.Driven by the rapid development of Internet technology,Internet consumer finance has become a new direction of consumer finance in China,and has become the focus of attention in all walks of life.Since 2010,China began the Internet consumer financial business pilot,the rapid development of the domestic Internet Consumer Finance Companies.In addition to online financial companies began to complete the transformation of the traditional line of consumer finance business,Jingdong,Ali and other electricity supplier giants also have the aid of user data accumulated over the years to evaluate the credit of customers to carry out Internet consumer finance business.However,because these companies experience in the financial sector is still shallow,true enough,information distortion problems of credit data about each customer,to carry out business process easily face greater risk.This paper takes the JingdongBaitiao as the research object,based on the theory of consumer financial risk management model,using a combination of quantitative and qualitative methods on Jingdong business risk analysis program,and according to the business process established JingdongBaitiao targeted preventive measures.Firstly,the present status of development,business Internet consumer finance in China to explore the existence problems and development trend,analyzed the current situation of China's Internet consumer financial risk control system's advantages and disadvantages,and the JingdongBaitiao operation mode,risk production mechanism,risk conduction mechanism,risk control system is analyzed,put forward the place can improve the risk prevention and control system in the Jingdong.And then through the detailed analysis of consumer credit to the Jingdong from 2014 to 2016 data JingdongBaitiao credit score card model was used to select variables related to the credit risk based on borrower,with the help of theJingdongBaitiao data mining and decision tree construction model of SAS software and CART software,established JingdongBaitiao personal credit score card,provided a quantitative reference for Jingdong customer selection and credit limit.Finally,this research about Jingdong Baitiao,to some extent,could offer some suggestions for Jingdong financial department when dealing with consumer credit risk and further imp roving personal credit model,thus,providing references for similar consumer financial pro ducts.At present,due to the fact that Chinese personal credit situation has not been shared,Jingdong financial can't control the customer's real personal credit situation,andJingdongBaitiao'saudit mechanism is online audit online credit mechanism,exacerbated the formation of the loan subject defects risk.In view of this,based on the operation process of JingdongBaitiao and the three stages of loan,this paper formulates the risk management methods.And this paper gives two recommendations from the external legal supervision perfect and the internal risk system optimization.