电商涉足小额贷款领域,对中小企业和电商来说是双赢的。电商依靠大数据优势,克服了传统银行存在的不足。本文主要以自营式电商小额贷款公司为例,选取具有典型意义的阿里小贷分析其信用评价及风控机制,并对电商小额信贷的风险进行探究,提出控制风险的措施。 E-commerce involved in the field of micro-loans for SMEs and e-commerce is a win-win situation. E-commerce rely on the advantages of big data to overcome the shortcomings of the traditional bank. This paper mainly takes the self-operated e-commerce micro-loan company as an example, selects the typical significance of the Ali small loan to analyze its credit evaluation and risk control mechanism, and explores the risk of e-commerce micro-credit and puts forward some measures to control the risk.