What you want to ask is how to deal with credit risk in the post-loan management of personal online consumer loans. The following measures have been taken:

1. Risk assessment: Before the loan is issued, a strict credit assessment must be conducted to determine the borrower's repayment ability and credit risk level. This helps to ensure that borrowers have sufficient repayment ability, thus reducing the risk of loan default and loss.

2. Repayment reminder and collection: In order to ensure the timely repayment of the borrower, the lending institution can remind the borrower of the repayment date by SMS, telephone, email, etc. If the borrower fails to repay the loan within the time limit, it can also be collected by telephone, text message or letter.

3. Raise interest rate: For borrowers with high credit risk, the risk can be compensated by raising interest rate. This can encourage borrowers to repay on time and reduce the losses of lending institutions.

4. Guarantee measures: For borrowers with high credit risk, guarantee measures can also be taken, such as requiring borrowers to provide collateral or guarantors. This can reduce the risk of lending institutions and increase the borrower's willingness to repay.