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Top1. Introduction
In recent years, China's Internet information technology has developed rapidly and has been widely used in various industries, which has a certain impact on people's lives and daily production. With the rise of “Internet finance”, the P2P peer-to-peer lending platform developed rapidly. In 2014, the turnover of China's P2P peer-to-peer lending industry was 252.8 billion yuan, far exceeding the turnover of the United States and Britain (Liu et al., 2017). As the pioneer of Internet finance, P2P peer-to-peer lending began to rise in China in 2007. After a short period of publicity and development, this new mode of micro-lending began to be accepted by the public with lightning speed, relying on its high income, low threshold and easy operation. It promotes the optimal allocation of funds, alleviates market information asymmetry and meets the needs of small and medium-sized enterprises for financing services (Liu et al., 2017). The credit system in the credit field is the core of the development of Internet finance, and it is also a major problem to be solved urgently. However, there are many challenges and problems in the development process, such as supervision, information security and risk control. How to correctly understand and solve the problems in the development process of Internet finance has become an important and urgent task.
With the advent of the era of big data, the financial sector is the key development area of the country. As the main position in the financial field, banks are affected by big data in risk management and control. To control financial risks, a sound financial early warning mechanism is needed as a guarantee (Lu, 2017, Zhao, 2018). Risk early warning needs standardized collection, modeling and analysis of multi-dimensional data information, deep integration of technology and business, system and experts, and continuous dynamic optimization according to external economic environment and regulatory requirements (Jiang et al., 2017). (Wang, 2016) thinks that the internet finance mentioned at present does not mean pure data finance or technology finance, nor does it mean that traditional financial institutions promote the convenience, efficiency and security of financial process by upgrading technology. (Gong et al., 2019) discussed the risk characteristics of electronic banking and the corresponding risk prevention measures by summarizing and applying fuzzy mathematics related evaluation methods; Its research shows that although the new model of e-banking overcomes various shortcomings and deficiencies of traditional banks. (Onyiriuba, 2016) put forward the method of credit risk quantification in his book, and put forward the importance of strengthening risk assessment in the process of commercial bank development. He put forward the credit risk existing in the business process of commercial banks through quantitative methods, and strengthened the strategy of risk management. (Reint et al., 2019) proposed that the government should play a leading role in strengthening and spreading the positive externalities of network finance and even the whole financial industry, and weakening the negative externalities of network finance.