Credit Risk Management of Consumer Finance Based on Big Data

Table 1

Bank x loan situation.

Years	Loan balance		Loan growth rate
	Annual loan balance	Personal consumption loan balance	Total loan growth rate (%)	Personal consumption loan growth rate (%)
2016	2547.06	231.33	—	—
2017	2988.73	261.79	17.34	13.17
2018	3397.54	301.52	20.37	15.18
2019	3925.18	368.27	25.42	22.14