基于大数据技术视角的Y网贷公司信用风险管理研究-工商管理专业论文.docxVIP

RESEARCH RESEARCH ON THE CRED l T R l SK MANAGEMENT OF Y COMPANY ON THE BAS l S 0F B l G DATA ABSTRACT Peer-to-peer Lending(known as P2P)refers to the lenders and borrowers establish business relationship and communicate with each other directly via intemet platformt to negotiate the capital，lending duration，risk and interest rate according to specified regulations and finally sign legal e-contract to protect both parties benefits．Recently,、vim：the gradual development of P2P，the Renrendai，Ppdai and CreditEase have emerged：．quickly by referencing to the world famous P2P service platform，such as Prosper，Zopa and Lending Club．This industrial of China grow rapidly in 20 1 5 and share considerable market share． As at the primary stage，the P2P of China shows many problems，such as．unsound credit system and risk management system．P2P is a new financial service platform today and different from the traditional service，but it still holds the original attributes of finance，as we know the identification and risk management．Thus，the ability to control risk becomes the key of online finance．For development，scientific risk management is necessary．In a long _teml，the sound development of P2P will lead to the sound development of finance and become the key for sustainable development of inclusive finance． This article shows the basic theory of P2P risk management，introduce the definition and characters of P2P，analyze the causes of credit risk and come up with a new jrisk management method-Big Data，also it introduces the application of credit risk management．Then it takes the representative Y Company as example to conclude its main products；process，approval and the main problems of credit risk management on the basis of operation situation and development．Finally it provides measures on how to complete the credit risk management in aspect of identification，evaluation and control with the combinati