Credit risk Prediction Model of Financial Companies Based on Machine Learning Algorithm

With the continuous of economic level and the upgrading n concept, Internet consumer finance is gradually recognized by more consumers. Facing who apply for loans, we need to solve the problem of predicting users' credit risk through the technology of the Internet and computer field. The credit risk. The model is developed using historical transaction data and can be used to model future credit risk. The main objective of the possible losses of the company due to the default of loans or other financial instruments. The output of the model helps to assess whether a particular loan is likely to default, which can help the organization take appropriate action before any loss occurs.