The risk control level of capital debt plays a vital role in the smooth operation of the whole financial market. This chapter first introduces the general development tendency of financial credit industry in China. Reviewing and rethinking the development of financial credit market in China，we point out the problems existing in the lending market，such as customer service group，financial product design，customer credit management and so on. Finally，based on the rapid development of Internet and big data technology，we summarize the new pattern of lending financial market and risk control strategy.