Abstract
With the increasing role of personal consumption loan business in economic life, the Internet financial industry has developed rapidly. Due to the lack of supervision and related laws, many irregularities and illegal acts are mixed among them. A large number of enterprises with the purpose of gathering funds are mixed among them. Under the banner of Internet finance, illegal actions to absorb public deposits are carried out. At the same time, due to the lack of supervision and related laws, many irregularities and illegal acts are mixed among them. Industry competition, guaranteed income and other irregularities are prevalent in the industry. Companies in the industry generally use funds for advertising and blindly expand their scale. The most important compliance management and internal wind control mechanism have been in a backward or even missing state for a long time, resulting in a large-scale decline and Thunderstorm in the industry, which has a huge negative impact on industry development and economic development. Under this background, this paper focuses on the internal risk control and studies the application of Logit Model in the auditing model of personal consumption loan. Firstly, starting from the logit model itself, this model is reasoned and introduced. Then, the auditing model of personal consumption loan is established by using logit model. Through the establishment and testing of the model, the model is further optimized and the model is beneficial to personal consumption loan is obtained. Suggestions and suggestions on the design and use of the model.
Highlights
P2P is the abbreviation of peer-to-peer, which means individual to individual
This paper focuses on the internal risk control and studies the application of Logit Model in the auditing model of personal consumption loan
The auditing model of personal consumption loan is established by using logit model
Summary
P2P is the abbreviation of peer-to-peer, which means individual to individual. P2P online loan is a new type of personal to individual loan based on Internet platform. Under the banner of Internet finance, they are laying advertisements online and offline, claiming "capital guarantee" and "platform guarantee" "," national endorsement "," minimum yield ", etc., attract investors to take the bait, and implement the means of capital mismatch, long loan and short loan, etc., gather funds, run with money at the right time, form a large-scale group lawsuit event, and damage the reputation of the industry. When the capital chain is broken, companies have chosen to run, liquidate and close down, and the Internet financial industry is in danger In this context, P2P online loan companies should strive to improve their own internal, clear their intermediary positioning, protect the interests of investors, strictly review the information of lenders, and improve their service level and quality. There are many works on the application of Logit model, it is not applied to the customer loan audit of P2P network loan companies this paper uses logit model, for small personal consumption loan business, selects the consumption loan data of Internet companies, reviews the information of the lender, optimizes the model through the establishment and test of the model, improves the accuracy of the model, and obtains opinions and suggestions conducive to the development of personal consumption loan business
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