Analysis Of Internet Credit Risk Control Based On Spark

With the rapid development of China’s economy and the deepening of market economy,the scale of social financing is also growing,and private economic activities are becoming more and more active.At the same time,personal credit businesses such as credit cards,housing loans,automobile loans,consumer loans are also growing rapidly.As the total amount of loans continues to increase,the number of defaults by users is also rising,and even some banks have seen a rising non-performing loan rate.Therefore,it is very important for micro-credit enterprises to study the default risk of user loans,assess the risk level and control the risk well in real life.The rapid development of Internet finance has brought severe challenges to the traditional financial model,especially in the risk control system.Many financial fraud,malicious fraud,and"pulling wool" have been derived.Credit auditing,especially unsecured Internet lending,is the core part of risk control in these stages of Internet finance.Borrowers often use information asymmetry to forge relevant documents to defraud loans,which brings great risks to financial institutions.In recent years,with the rapid development of big data and machine learning technology.Big data technologies such as Hadoop,Spark,HBase,Hive and other architecture software began to deploy and apply in all walks of life.In the financial field,the concept of big data wind control is also obedient.Big data wind control refers to the borrower’s risk control and risk prompting by using the method of building model with big data.Compared with the traditional wind control technology,the credit wind control team of each financial institution carries out risk control by manual auditing.The biggest problem with this auditing model is that it is slow.It usually takes more than a week from auditing to lending,which can not adapt to today’s Fast-Changing Financial model.But the development of big data technology perfectly solves this problem.By learning and training the user’s information data,we can quickly evaluate the user’s credit rating,the amount of loans and other related data.Through this multi-dimensional,large amount of data intelligent processing,batch standardization of the implementation process,more in line with the information development era of wind control business development requirements.