1, credit big data mining: Internet massive big data in the data related to wind control. In terms of data raw materials, more and more Internet online dynamic big data is added. 2, wind control operations: Pre-credit marketing: 1, existing customer development, new customer development; 2, pre-approval, application scoring; 3, pre-approval, customer access, pre-credit amount estimation. Loan Approval: 1, fraud screening, anti-fraud monitoring; 2, application re-scoring; 3, credit approval; 4, loan pricing. Post-credit management: 1, behavioral scoring model; 2, quota management; 3, risk warning, pre-collection; 4, collection scoring, collection strategy.