Research On The Application Of Big Data Risk Control In Peer-to-Peer Online Lending Platform

After the first peer-to-peer online lending platform PPDAI was founded in Shanghai,in 2007,the industry has been rapidly expanding in China.Especially in 2013,the number of peer-to-peer online lending platforms showed a "blowout" growth trend.However,the number of problem platforms also showed rapid growth.As of the end of November 2017,the number of platforms with closed business and problems reached as many as 3,556.As the number of problem platforms in the peer-to-peer online lending industry grows day by day,the risks accompanying the explosive growth of the peer-to-peer online lending industry also begin to emerge.Especially,the credit risk of the borrower is the core risk faced by peer-to-peer online lending platform.If you want to effectively control the risk,you must improve the traditional means of risk control,improve the credit information,and use the big data technology to establish a reasonable and effective risk prevention mechanism for peer-to-peer online lending platform.First of all,this paper builds a big data risk control system of peer-to-peer online lending platform based on domestic and foreign market environment and regulatory trends,which is based on the collection of massive user data,the establishment of user behavior model,Build user portraits,set personal risk pricing for different borrowers,monitor in real time in loans,and make good post-loan feedback.Secondly,this paper chooses the typical overseas lending platform Lending Club as an example to analyze the characteristics and causes of foreign peer-to-peer online lending platform risk control,and analyzes the Zest Finance with excellent big data risk control technology,analyzes the traditional risk control and big data wind Control characteristics of the comparison,and then according to the domestic and foreign P2 P network credit risk control comparative analysis of the status quo,establish reference direction.Then it analyzes the domestic typical peer-to-peer online lending platform PPDAI as a case study.From the perspectives of traditional wind control and big data wind-control application,this paper analyzes in depth the risk control system of PPDAI,and analyzes the case Platform control measures to study and make suggestions for improvement.Finally,this paper puts forward the following risk management countermeasures through the research on the application of big data risk control in our peer-to-peer online lending platform.This paper proposes the following risk management measures: Improve the big data system construction,strengthen the specialization construction process of credit information system,improve the real data processing ability of big data Increase the risk control model of R&D investment,at the same time pay attention to the development of big data technology personnel.