Research On Risk Management Of "Q Hua" Consumer Financial Platform Construction Project

In recent years,with the rapid development of China's economy and Internet technology,Internet consumer finance has also ushered in the peak of development.Major online travel platforms have developed tourism consumption finance based on their own scenarios and user scale advantages.Tourism platform development Network consumer finance business is conducive to improving the booking rate of travel products,increasing user stickiness,promoting traditional business sales,and also increasing a small interest income.However,some industry chaos has also occurred,such as malicious fr-aud,repeated credit,excessive consumption.In the period of stricter industry supervision and greater downward pressure on the economy,strengthening risk management has gradually become the key to the survival and development of consumer finance proj ects in the tourism sector.This paper takes the "Q Hua" project as the research object and explores the risk factors of consumer finance projects in the tourism platform field to improve the risk control level of the project.First,the concept of Internet consumer finance and risk management was clarified,and the background of the risk management process and the "Q Hua"project was introduced in detail.Secondly,the common methods of risk identification are summarized.The environmental analysis method,checklist method and brainstorming method are used to comprehensively identify and classify the risks involved in the construction of "Q Hua"consumer finance projects.The risk hierarchy model is constructed,and the analytic hierarchy process combined with fuzzy evaluation is used to evaluate and analyze the risks identified in the project.Finally,it is concluded that information technology risk and policy legal risk are the main risks faced by the project,especially the credit model risk and policy supervision risk.Based on the research results of this paper,the proposed risk response measures are proposed from multiple risk levels.I hope this article brings some theoretical support and reference significance to the risk management of consumer finance projects in the same industry.