一种新型P2P大数据风控运营服务平台的设计

A Novel P2P Big Data Risk Control Service Platform Design

为了解决P2P行业风险控制能力不足和监管缺位的问题,首先给出了互联网金融背景下P2P行业的特点,并结合P2P行业的风险问题分析了风险防范的必要性,随后根据国家对P2P行业的风险管理规范要求设计了相应产品方案,给出了基于O2O模式的P2P大数据风控服务平台的实施方案,最后对平台的价值经营进行了分析和预测。该方案通过健全和完善的风险评估系统,降低信用风险和违约损失,从而为促进P2P互联网金融行业长期健康发展提供一种思路。

TO solve the problem of insufficient risk control and lack of supervision in the P2P industry, the paper first described the characteristics of the industry under the Internet finance background, analyzed risk prevention necessity concerning the risk issue, and designed product solution according to national requirements of P2P industry risk management, meanwhile, the paper also provided P2P big data risk control service platform implementation solutions based on O2O model, finally analyzed and forecast the operation value of the platform. With a complete risk assessment system, the solution lowered the credit risk and loss of default, promoting long-term healthy development of P2P Internet finance industry.