The platform shall strictly abide by national laws, regulations and regulatory systems, and shall not step on the red line of policies. Apply for credit business approval according to the approval authority and application process to ensure the quality of pre-loan investigation and post-loan management of credit business; Strengthen the construction of post-loan management team and equip people with rich credit experience to hold post-loan management positions. It is necessary to ensure that the loan approval conditions are implemented before the loan is issued, the project loan capital is legal and compliant, the mortgage guarantee is sufficient and effective, and the use of credit funds is tracked and monitored.
Second, the professional ability of the risk control team is excellent.
On the one hand, the platform's own risk control system is the basis of all business. First of all, data analysis, according to data mining, analyzes the characteristics of overdue customers and product profitability; Then the decision-making team needs to determine the target group and design the loan product access policy, approval policy, anti-fraud policy and collection policy. Finally, the policy of loan products is formulated, including the policies and systems of central Taiwan audit, front-end marketing and back-end collection.
On the other hand, every link in the process of lending should be well controlled. Lending on online lending platform can be divided into three main steps: data analysis before lending, review and release during lending, and repayment collection after lending. After the investigators evaluate the borrower's financial situation analysis, loan demand research, target rate of return, risk prediction and other basic work before lending, the auditors need to judge the validity and authenticity of the borrower's information, and make a decision on whether to approve it with the help of the decision engine and scorecard. The collection staff will collect overdue customers according to the collection scorecard and decision engine and the length of overdue time. Only by interlocking and complementing each other can we achieve highly strict risk control.
Third, actively use Internet big data for credit reporting.
In the long run, it is an inevitable trend for the online loan industry to move towards compliance and high level, and big data credit reporting with the characteristics of wide coverage, large number of people, real data and effective transformation will surely play an important role in the field of Internet finance. Using big data and information technology to screen and assist judgment of massive information data can effectively reduce financial risks. Internet-based approval based on credit data collection can visually present the credit score of users' credit status, screen the industry attention list of potential risk customers, help the platform to make a more accurate judgment on borrowers' credit, and effectively control credit risk through a series of quantitative parameters. In addition, for the platform, clever use of big data credit information can effectively improve the approval efficiency and reduce the cost of risk control. The risk early warning network includes a large number of judgment documents of people's courts at all levels, information on enterprise/individual cases, court enforcement information, tax information, administrative law enforcement information and debt collection information. , and updated every day. The information is complete, the content is true, and the inquiry is simple and convenient. Real-time query can be made on the information of enterprise's industrial and commercial changes, abnormal operation, court announcements, judgment documents, untrustworthy information, overdue information of online loans, environmental protection law enforcement information, equity pledge, chattel mortgage, equity freeze, etc., to help users grasp the abnormal situation of enterprises in time. At the same time, it provides big data-driven credit risk control decision-making services for small and micro financial institutions such as commercial banks, P2P, microfinance, e-commerce finance and consumer finance.