互联网贷款欺诈的形成机理与量化评估

Formation Mechanism and Quantitative Evaluation of Internet Loan Fraud

随着互联网信贷业务的发展和信用风险评估体系的不断完善,欺诈风险成为阻碍互联网信贷业务发展的一个主要因素。文章整理了互联网信贷欺诈风险的表现形式,梳理了欺诈风险的形成过程,认为信贷机构要防控欺诈风险应针对欺诈风险特点,从欺诈酝酿、欺诈发生、欺诈传播的必备条件入手,建立欺诈风险评估体系,并采用实证分析法,通过真实业务案例和数据,构建基于CBiForest欺诈风险评估模型的一种比较优秀的量化评估方法,为互联网信贷机构防控欺诈风险提供参考。

With the improvement of Internet credit business and credit risk assessment system,fraud risk has become a major obstacle to the development of Internet credit business.This paper sorts out the forms of Internet credit fraud risk,analyzes the formation mechanism of fraud risk.In order to prevent and control fraud risk,credit institutions should establish a fraud risk evaluation system based on the characteristics of fraud risk and the necessary conditions for fraud brewing,fraud occurrence and fraud spread.Through the real business cases and data analysis,we get an excellent quantitative evaluation method to build a fraud risk evaluation model based on CBiForest,which provides a reference for Internet credit institutions to prevent and control fraud risk.