Credit Risk Management for College Students: An Analysis of Influencing Factors Based on 5C Approach

This paper focuses on the construction of college students' credit evaluation system and credit risk management under the background of big data. Firstly, based on the 5C approach, this paper evaluates the personal credit of college students from 5 dimensions and 24 indicators, which finally contribute to the establishment of the credit evaluation system for college students. Then, the partial least squares method is used to build the structural equation model to evaluate the effectiveness of the credit evaluation system for college students. According to the in-depth analysis of PSL-SEM, the factors that affect the credit risk of college students are effectively evaluated, and it has contributed to the establishment and improvement of the credit system of college students. Keywords: Personal Credit, Credit Evaluation, Credit Risk, 5C Approach, PLS-SEM.

Construction Basis of C2C E-commerce Credit Evaluation Index

C2C e-commerce rapidly develops, which is an important economic pillar. With the deepening of the network life, more and more people join the C2C e-commerce transactions. However, the credit problem of C2C e-commerce has serious hidden security problems. So, the paper analyzes the present situation of C2C e-commerce credit problem and points out the existing problems. Scientifically, systematically, validity, feasibility and comparability are taken as principles to establish the first level indicators that including commodity property, business services, and logistics services and to establish the secondary indicators that reasonable price, timely delivery and so on. Using AHP, the weight of each level indicator can be calculated. C2C e-commerce evaluation model is established. Then the model is improved on transaction amount and evaluation time, so it can provide a theoretical basis for C2C e-commerce credit evaluation system.

Analysis on Internet Financial Business and Construction of Credit System

Internet finance is a new emerging financial model, using the Internet as a platform, big data and cloud computing as the basis. Supply Chain Finance is the easiest way to enter Internet finance. The third-party companies or institutions can invest in Internet financial companies by integrating their industrial chain practices into designing the financial products to reduce credit costs and improve safety. At the same time, it will increase mobile Internet, big data and operational services. Also, it can make full use of the Internet financial platform to provide value-added services for higher and lower enterprise and consolidate the core status of the company in the industrial chain. However, an important issue that needs to be concerned during developing Supply Chain Finance is the construction of a system for credit evaluation. Due to the lack of a unified credit evaluation system, the development of the existing Supply Chain Financial companies suffers from difficulties. Many newly launched companies have difficulties operating due to the lack of a credit evaluation system. Therefore, proper and effective credit indicators are essential for the development of enterprises under Internet finance. From the micro perspective, it is conducive for enterprises to improve their credit under the constraints of indicators, and it can solve the problem of capital raising; from the macro perspective, it is conducive to the standardized development of China’s Internet finance and promotes the comprehensive economic development. Based on this, analyzing the model of Internet financial business and developing an enterprise’s credit index system is beneficial to the development of China’s Internet finance.