Application of Innovative Risk Early Warning Model Based on Big Data Technology in Internet Credit Financial Risk

The emergence of the new economic model of internet credit industry brings convenience to people's lives, and it also impacts the business model of traditional commercial banking to a great extent. How to better improve the operation mode, correctly assess and avoid the risks of internet finance, and create a healthy, orderly, safe, and sustainable development environment of internet finance industry is an important research topic in this industry under the current situation. This paper studies the application of innovative risk early warning model based on big data technology in internet credit financial risk assessment, aiming at maximizing the utilization efficiency of internal and external data, building a timely, accurate, and effective early warning system with independent characteristics and creating a sharp weapon for intelligent risk early warning.