With the rapid development of China’s Internet finance industry and the continuous growth of transaction amount in recent years, a variety of financial risks have increased, especially credit risk in the financial industry. Also, the credit risk evaluation is usually made by using the application card scoring model, which has the shortcomings of strict data assumption and inability to process complex data. In order to overcome the limitations of the credit card scoring model and evaluate credit risk better, this paper proposes a credit evaluation model based on extreme gradient boosting tree (XGBoost) machine learning (ML) algorithm to construct a credit risk assessment model for Internet financial institutions. At the same time, an Internet lending company in China is taken as a case study to compare the performance of the traditional credit card scoring model and the proposed machine learning (ML) algorithm model. The results show that ML algorithm has a very significant advantage in the field of Internet financial risk control, it has more accurate prediction results and has no particularly strict assumptions and restrictions on data, and the process of processing data is more convenient and reliable. We should increase the application of ML in the field of financial risk control. The value of this paper lies in enriching the related research of financial technology and providing a new reference for the practice of financial risk control.

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Since the beginning of the 2000s, CSR has been a hot topic. Some people think that CSR is not conducive to the company to obtain more profits, and another view is that CSR has become a part of business operations. With the continuous improvement of people's living standards, Thailand also pays more and more attention to sustainable development. Berli Jucker Public Company Limited (BJC) is one of the most important CSR companies in the Thai market, it is involved in manufacturing, distribution and other service activities, the profit of glass packaging business accounts for around 8% of the company's total revenue, and they continue to innovate and strive to become the leading manufacturer in this industry, also care for the whole society. Although there has been a lot of literature discussing CSR and supporting sustainable development can effectively increase the company's additional revenue, but there are still very few analyses focusing on the Thai market and glass packaging. The purpose of this article is based on the existing relevant literature and opinions, focusing on the value added aspect of industrial part, analysis based on BJC's glass packaging business combined with descriptive and statistics analysis methods to study how BJC will combine CSR and their vision to maintain its leading position in the Thai market, and also explore the significance of social-sustainability as an aspect of CSR to suppliers and even demanders in the market. Suppose, as an added value of an enterprise, CSR can bring economic and social benefits. At the same time, understand what attitude the “provider” and “demander” sides hold towards it and what specific impact it will bring to both sides. Through this article will help those who want to understand the glass packaging business of BJC and the general situation of this industry in Thailand, so they can make better investment decisions or analysis, suggestions; at the same time, the article also can help to demonstrate that companies applying CSR policies and correctly integrating with business can bring positive benefits to the company.

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