A Model of Pre-Warning Based on the Big Data Technology for P2P Lending Platform

Chunyu Lin; Chonggang Li; Fangyuan Xu; Huiquan Xu; Lei Shi; Xianghu Lu

doi:10.11959/j.issn.2096-0271.2015037

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A Model of Pre-Warning Based on the Big Data Technology for P2P Lending Platform

Special topic:Big data of finance and security | 更新时间：2024-06-03

- A Model of Pre-Warning Based on the Big Data Technology for P2P Lending Platform
- BIG DATA RESEARCH Vol. 1, Issue 4, Pages: 10-20(2015)
- 作者机构：
  
  1. 北京金信网银金融信息服务有限公司北京 100101
  2. 国网能源研究院北京 100101
- 作者简介：
- 基金信息：
- DOI：10.11959/j.issn.2096-0271.2015037
  CLC： TP311.13
- Online First：2015-11，
  
  Published：20 November 2015
- 稿件说明：
移动端阅览
Chunyu Lin, Chonggang Li, Fangyuan Xu, et al. A Model of Pre-Warning Based on the Big Data Technology for P2P Lending Platform[J]. BIG DATA RESEARCH, 2015, 1(4): 10-20.
DOI：

Chunyu Lin, Chonggang Li, Fangyuan Xu, et al. A Model of Pre-Warning Based on the Big Data Technology for P2P Lending Platform[J]. BIG DATA RESEARCH, 2015, 1(4): 10-20. DOI： 10.11959/j.issn.2096-0271.2015037.

摘要

近几年，我国P2P网贷行业在高速发展的过程中出现了大量的“失联跑路”事件。为此，基于P2P网贷及大数据相关概念的深入剖析，创新性地将平台的风险预警与大数据技术结合，通过对海量数据采集、Spark分布式平台计算、机器学习建模等大数据技术的整合，构建一个有效的P2P网贷平台风险预警模型。该模型在多维度风险评价指标的基础之上，可以实现对网贷平台风险的实时、精准、全面监测，从而有效降低平台集资诈骗、恶意跑路等恶意事件的发生频率，维护广大投资人的资金安全及社会稳定。

Abstract

In recent years

P2P lending industry in China has appeared a lot of escape events in the process of its rapid development.Bases on deep analysis of the related concepts for P2P lending and big data

combining innovatively the risk pre-warning of platform with big data

an effective risk pre-warning model of P2P lending platform was constructed according to the collection of huge amounts of data

big data technology including Spark distributed computation and machine learning.Based on the establishment of multi-dimensional risk assessment

the model can be achieved on real-time

accurate

comprehensive monitoring for the risk of P2P lending

thus effectively reducing the frequency of financial fraud

escape malicious event

so as to the majority of investors’ money to maintain security and social stability.

关键词

Keywords

references

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