Microloan system based on big data intelligent risk control and microloan method thereof

Abstract

The invention discloses a microloan system based on big data intelligent risk control and a microloan method thereof. The microloan system comprises a background management server which comprises a front-end access system, a big data risk control system and a loan service system. The big data risk control system comprises a data acquisition module, a risk control engine module, a model training module and a credit assessment module. The data acquisition module is used for collecting user data information and performing data preprocessing. The risk control engine module performs anti-fraud decision by using an anti-fraud model based on a random forest algorithm. The model training module is used for performing model optimization on the anti-fraud model through operation of at least two sample sets. The credit assessment module performs score assessment on the user credit by using a logic regression algorithm. The microloan system and the microloan method are fast in overall verification speed, comprehensive in data verification and high in risk anticipation accuracy so as to effectively reduce the microloan risk.

Description

technical field [0001] The invention relates to a small loan system and method based on big data intelligent risk control, which belongs to the field of Internet finance technology. Background technique [0002] Internet finance is a new financial business model in which traditional financial institutions and Internet companies use Internet technology and information communication technology to realize financial integration, payment, investment and information intermediary services. The deep integration of the Internet and finance is the general trend and will have a more profound impact on financial products, businesses, organizations and services. Internet finance has played a positive role in promoting the development of small and micro enterprises and expanding employment that cannot be replaced by existing financial institutions, and has opened the door for mass entrepreneurship and innovation. [0003] Micro-credit is a comprehensive consumer loan centered on individu...

AI Technical Summary

Problems solved by technology

[0004] First, microloans lack a guarantee mechanism for final repayment. Borrowers of microloans are generally entrepreneurs, and most of them are those who are short of funds. If the business is successful, he is willing to repay the loan. interests are difficult to protect;

[0005] Second, the operating cost of microfinance is too high

Micro-loans are retail loans. A loan officer can market one or two hundred loans at most, but the amount is only a few million. This is incomparable to the scale effect of wholesale loans, and the relative cost is also high.

The same loan of 100 million yuan, if the loan is to a large enterprise, only one account manager is needed to handle it, while handling a small loan may require thousands of transactions, and a dozen account managers alone are required, and the cost of manpower and material resources is too high;

[0006] Third, there is a lack of credit system in the whole society. Most of the small loans rely on credit guarantees, and malicious behaviors of defrauding loans occur from time to time.

[0007] It can be seen that there are still relatively large risks in small loans at present. The existing risk control methods generally use offline manual review, which is not only slow, but also prone to errors, the review is not comprehensive enough, and the scope of data review is narrow. Therefore, it is necessary to solve the risk control problem of small loans

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