网络个人信贷大数据风险控制  

Big Data Risk Control in Internet Individual Credit Loan

作　　者：钟雪灵[1] 侯昉[1] 彭诗力[1] 黄承慧[1] ZHONG Xue-ling;HOU Fang;PENG Shi-li;HUANG Cheng-hui(Guangdong University of FinanceGuangzhou510521China)

机构地区：[1]广东金融学院,广州510521

出　　处：《电子科技大学学报（社科版）》2018年第5期7-11,共5页Journal of University of Electronic Science and Technology of China(Social Sciences Edition)

基　　金：国家自然科学基金(71501051);教育部人文社会科学研究基金(13YJC630239)

摘　　要：风险控制是网络个人信贷中的关键点,但网络个人信贷存在额度小和规模经营的特征,使得传统风险控制手段难于实施。大数据技术为网络个人信贷风险控制提供了有效的解决方案。本文描绘了网络个人信贷大数据风险控制的基本流程,介绍了各个主要环节中大数据技术的应用,强调了全面风险控制的理念。Risk control is the critical point in Internet individual credit loan business, but the traditionalmethods are invalid due to their characteristics of the small loan and scale management. For such a problem, the bigdata technology provides an efficient solving scheme. In this paper, we describe the basic procedure, introduce theapplication of the big data technology in each major step of the basic procedure, and emphasize the idea of theoverall risk control.

关 键 词：网络个人借贷 风险控制 信用评估 大数据 机器学习 

分 类 号：F832[经济管理—金融学]