Research On The Risk Management Of Internet Petty Loan Based On Financial Big Data

In recent years,with the rapid development of Internet finance,the application of big data in the financial industry is more and more extensive and in-depth.The advantages of big data in risk control are more and more obvious.Big data has become a sword for risk control.It is imperative to apply big data to the field of Internet credit.Internet small loan customer groups are mainly natural person customers.Such customers' requirementts on the capital are small,short,frequent and urgent.Big data has shown its strong advantages on How to quickly achieve customer's financing purpose under reliable risk control.Big financial data can fully tap customer information,break the barriers between information,dynamic management model,effectively control risks and reduce business risks in order to improve the scientific and effective credit decision-making,and therefore to achieve the goal of inclusive finance.Taking L small loan company which is outstanding in the application of big data in the small loan industry as an example,through the detailed analysis of big data in the application of small loan on the Internet,we can get the experience and method of controlling the loan risk by using big data.Under this background,taking L small loan company as an entry point,we did a research on L small loan company's loan product composition,operating procedures,risk control methods and big data's decisive role.This paper studies in detail how financial companies use large data to achieve pre-loan customer clustering pricing,customer product recommendation,pre-loan scoring,credit CITIC contract,efficient real-time verification and lending,dynamic real-time tracking after lending,risk control applications and status analysis.After that,it analyzes the deficiencies and causes of the Internet small loan risk control of financial companies,and analyzes the corresponding countermeasures and suggestions.Finally,through the summary of the full text,we come to the conclusion that the big data technology has been successfully used by L small loan company in Internet small loan,which solves the problem of high credit risk caused by extreme information asymmetry in Internet lending,and relies on large data to achieve efficient and low-cost lending.Its operation mode can be used for reference by other network lending companies and traditional small and micro enterprise lending institutions,small and medium banks.