Risk Governance of Fintech Platform Based on Machine Learning Algorithm

Fintech is an emerging field that has developed in recent years and plays a pivotal role in economic and social development. The update of financial products and services has accelerated. At the same time, financial institutions are facing increasingly fierce and complex risk factors. This paper uses machine learning algorithms to study the risk prediction and management of Jinrui Technology Platform. The purpose is to reduce the loss of funds through the management of financial risks. This article mainly applied data analysis method, survey method and data method to carry out relevant research on machine learning algorithm and financial technology risk management. The survey results show that 20% of people think that risk management is very important, and 25% think that risk prediction is very important. In summary, risk management needs to pay attention to risk estimation, so applying machine learning to predict risk data is a correct choice.