In the context of the rapid development of Internet technology, traditional consumer finance has achieved innovation and transformation through the study of animal environment management. Consumer finance based on animal environment management came into being and quickly covered the college student market. However, with the rapid development of Internet consumer finance in the college student market, the characteristics of college students' impulsive consumption and weak financial management capabilities have become more prominent, and even triggered scams and tragedies. It has become a focus of social concern. The development of Internet consumer finance has been questioned. This article studies the influencing factors of college students ’Internet consumption financial credit risk through animal environment management, in order to explore ways to reduce college students’ credit risk. This article conducted a questionnaire survey on Xi’an college students and conducted a statistical description analysis of the survey results. Internet consumer finance demand is very strong, but the overdue repayment of college students should not be underestimated, and Internet consumer finance institutions bear greater credit risk. The experimental results show that 22% of college students have a monthly consumer credit of more than 400 yuan, indicating that under the premise of limited income sources, some college students still have high estimates of their repayment ability, which leads to excessive consumption and can easily lead to credit risk happened.

Xuetao Li. Animal Environmental Management Applied to Financial Consumer Credit Risk System. International Journal of Multimedia Computing (2021), Vol. 2, Issue. 3: 53-65. https://doi.org/10.38007/IJMC.2021.020306.

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