Shulou(Shulou.com)06/03 Report--

First of all, Baidu encyclopedia has the meaning of each entry:

Hadoop

Hadoop is a distributed system infrastructure developed by the Apache Foundation.

Users can develop distributed programs without knowing the underlying details of the distribution. Make full use of the power of the cluster for high-speed operation and storage.

[1] Hadoop implements a distributed file system (Hadoop Distributed File System), referred to as HDFS. HDFS has high fault tolerance and is designed to be deployed on low-cost (low-cost) hardware; and it provides high throughput (high throughput) to access application data, suitable for applications with very large data sets (large data set). HDFS relaxes the requirement of (relax) POSIX to access (streaming access) data in a file system as a stream.

SPARK (Spark)

Apache Spark is a fast and general computing engine specially designed for large-scale data processing. Spark is a general parallel framework like Hadoop MapReduce opened by UC Berkeley AMP lab (AMP Lab of the University of California, Berkeley). Spark has the advantages of Hadoop MapReduce, but what is different from MapReduce is that the intermediate output of Job can be saved in memory, so there is no need to read and write HDFS, so Spark can be better applied to iterative MapReduce algorithms such as data mining and machine learning.

Spark is an open source cluster computing environment similar to Hadoop, but there are some differences between the two. These useful differences make Spark superior in some workloads. In other words, Spark enables in-memory distributed datasets to optimize iterative workloads in addition to interactive queries.

Spark is implemented in the Scala language and uses Scala as its application framework. Unlike Hadoop, Spark and Scala can be tightly integrated, where Scala can manipulate distributed datasets as easily as local collection objects. Hive is a data warehouse tool based on Hadoop, which can map structured data files to a database table, provide simple sql query function, and transform sql statements into MapReduce tasks to run. Its advantage is that the learning cost is low, simple MapReduce statistics can be quickly realized through SQL-like statements, and there is no need to develop special MapReduce applications, so it is very suitable for statistical analysis of data warehouse.

Hadoop

Hadoop is a distributed system infrastructure developed by the Apache Foundation.

Users can develop distributed programs without knowing the underlying details of the distribution. Make full use of the power of the cluster for high-speed operation and storage.

[1] Hadoop implements a distributed file system (Hadoop Distributed File System), referred to as HDFS. HDFS has high fault tolerance and is designed to be deployed on low-cost (low-cost) hardware; and it provides high throughput (high throughput) to access application data, suitable for applications with very large data sets (large data set). HDFS relaxes the requirement of (relax) POSIX to access (streaming access) data in a file system as a stream.

Big data's help in risk Control

Big data can provide comprehensive and multi-angle data to reduce the risk of borrowers' loans.

Enterprise indicators: macro indicators, industry indicators, enterprise indicators, financial indicators

Personal indicators: macro, industry, individual.

Index frequency: day, month, quarter, year

Personal version of risk control system inquiry:

A personal income

Bank B is running water

C liabilities

D automobile depreciation coefficient

E × × discount coefficient

Enterprise version of risk control system query

Absolute index

A total assets

B Total liabilities

C Total operating cost / total revenue

D gross profit margin on sales

Cash income

E return on net assets ROE

F Total net income / profit from operating activities (TTM)

G net operating cash flow / total operating income

H proportion of net cash flow generated by fund-raising activities

I proportion of net cash flow from investment activities

debt paying ability

J asset-liability ratio

K tangible assets / total assets

L equity multiplier

M current ratio

N quick ratio

Operating capacity

O inventory turnover

P accounts Receivable turnover

Q turnover of accounts payable

R net assets (year-on-year growth rate)

S expansion rate of investment in fixed assets

T total profit / EBIT profit

U Total shareholders' equity / total liabilities

V. EBITDA rate%

Risk control process

3.1 Business process

1. The borrower consults

two。 Fill in the application form and relevant materials and submit them to the salesman

3. The salesman adds customers to the customer room

4. The salesman initiates the credit application for the customer and enters the credit review. After the audit is successful, the borrower gets the credit line.

5. The salesman initiates the loan application for the borrower and enters the loan audit. After the audit, the financial loan is successful.

3.2 Credit Review process (pre-loan process)

1. The salesman initiates a credit application for his customers.

two。 The business supervisor conducted the preliminary examination, and the audit passed the preliminary examination of the risk control committee, rejected and returned to the superior, and the rejected credit failed.

3. The risk control committee conducted the preliminary examination.

4. Risk control supervisor for review

5. The loan review will be conducted.

6. The general manager carries out the final examination and approval, the credit is granted successfully, and the borrower gets the credit line.

3.3

Loan review process (in-loan process)

1. The borrower has a certain credit line, and the salesman initiates a loan application for the borrower.

two。 The business supervisor conducted the preliminary examination, and the audit passed the preliminary examination of the risk control committee, rejected and returned to the superior, and the rejected credit failed.

3. The risk control committee conducted the preliminary examination.

4. Risk control supervisor for review

5. The general manager will conduct the final judgment.

6. The examination and approval, the financial loan, the borrower borrows the loan successfully.

3.4 Post-loan process

When the loan is due, the borrower will repay it. Among them, the borrower can repay the loan in advance, and if it fails to repay when due, there will be extension application, compulsory settlement, settlement of collateral, disposal of collateral, and liquidated damages.

After paying off the loan, the borrower can get back the mortgaged goods.

four. Comprehensive solution for risk management

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