The difference between credit risk control of traditional commercial banks and credit risk control of internet finance.

Traditional commercial banks have their own IT system, which combines online and offline credit information, and the credit information data comes from the internal data of the bank.

Compared with the Internet financial credit big data risk control system, the it system is developed by itself, and the cost is high, while the data source comes from the relevant data of credit reporting agencies and various Internet platforms.

Internet financial credit risk control generally has four functions:

1, scoring modeling, risk control part;

2.IT system: business system, approval system, credit information system, collection system and accounting system;

3. Decision configuration tools, that is, wearing a decision engine;

4. Credit information big data integration module.

The advantage of big data risk control system is big data-driven, which is compatible with manual, automatic approval, decision-making and post-wear management.

In view of the fact that the big data risk control system has greatly reduced the risk of internet financial credit, the application of big data risk control in the wear industry, especially small and micro financial institutions, is becoming more and more common. Shenzhou Rong first launched a big data risk control platform, and Rong 360 also launched its own risk control system.