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.

Key words: internet financial, P2P lending, big data, risk pre-warning, machine learning