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Traditional consumer finance is a modern financial service method that provides consumer loans to consumers of all classes. With the gradual improvement of China’s credit reporting system, big data credit reporting has effectively made up for the lack of traditional credit reporting and has been widely used in the consumer finance industry. In this context, the in-depth analysis of the specific application of big data credit reporting in the credit risk management of consumer finance and the strengthening of the research on the application of big data credit reporting in the credit risk management of consumer finance are urgently needed to be resolved in the economic and financial theoretical and practical circles’ problem. This article mainly studies the research on credit risk management of consumer finance by big data. The experimental results of this paper show that the model has a good forecasting ability, can distinguish between normal loan customers and default loan customers, and is suitable for practical personal credit risk control business. The prediction accuracy of the default model of the fusion model is 97.14%, and the default rate corresponding to the actual business is 2.86%. By combining the risk items such as the blacklist and gray list in the Internet finance industry, the bad debt rate and illegal usury can be well controlled to meet industry supervision.

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A highly cross‐linked poly (cyclotriphosphazene‐resveratrol) microsphere (PRV) was synthesized by using hexachlorocyclotriphosphazene (HCCP) and bio‐based resveratrol (REV) as raw materials, and the obtained PRV microspheres were applied to improve the flame retardancy and mechanical property of epoxy resin (EP). The TGA results showed that the PRV microsphere is an excellent charring agent and the char yield is as high as 62% at 800°C. The incorporation of PRV makes the initial degradation earlier yet significantly increases the char residue of EP composites. Moreover, the introduction of PRV microspheres into EP greatly promoted the flame retardancy performance. Under 3% of addition of PRV microspheres, the peak heat release rate (PHRR) and total heat release (THR) were decreased by 58.3% and 29.6%, respectively, the limited oxygen index (LOI) value was increased to 29.7% from 25.3% of pure EP. In addition, because of the uniform distribution in EP matrix and the enhancing effect of PRV microspheres, the mechanical properties including tensile modulus of EP composites were strengthened. PRV microspheres in this paper provide a possibility to synthesize a dual functional filler, which acts as both flame retardant and strengthening agent.