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。
In recent years,P2 P 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 P2 P lending and big data,combining innovatively the risk pre-warning of platform with big data,an effective risk pre-warning model of P2 P 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 P2 P 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.
出处
《大数据》
2015年第4期18-28,共11页
Big Data Research
