high pass rate and good credit. According to official website, the online merchant bank, the bid-winning loan is a credit product provided by the online merchant bank for small and micro enterprises based on the bid-winning project. The automatic risk control system is adopted to quickly evaluate the borrower's credit status and repayment ability through big data analysis and risk assessment model. This automatic risk control system can more objectively analyze the borrower's credit risk and improve the pass rate. The approval process of the bid-winning loan can be completed in a short time, and the loan can be released quickly, which can meet the borrower's urgent capital demand and also improve the pass rate.