Research On Risk Management Of Internet Financial Enterprises Based On Decision Tree Model

With the rapid development of information technology and the promotion of financial innovation,the form of network finance is constantly evolving and has become an important financial position in China.With the development of Internet finance,it also faces related risks,and the risk management of Internet finance needs urgent attention.The credit rating model aims to use all available data to evaluate the financial viability and credit risk of small and medium-sized enterprises,scientifically manage the credit risk of small and medium-sized enterprises and create a fairer financial environment for small and medium-sized enterprises.Based on the decision tree model,this paper quantitatively analyzes the industry risks,internal and external risks and potential risks of A company’s Internet consumer finance business,and then puts forward the analysis of control measures:optimizing market and product strategies,reducing expected credit risks,strengthening internal control system structure,improving technology and company management,resolving risk fraud and credit disputes,broadening capital channels and increasing capital liquidity.