Abstract: Financial technology enterprises have introduced a new type of financial model, P2P network lending model, which is dominated by small cash loans. Since the introduction of cash loan products, a large number of customers have been accumulated in a very short period of time. How to formulate a fast and effective financial risk control strategy, improve the efficiency of customer information data processing, timely forecast and prevent credit and fraud risks in business has become an urgent problem for financial enterprises to solve. In this regard, this paper proposes a financial risk control model based on Java rule engine, which realizes the decoupling of risk control rule strategy and program hard coding. On this basis, the design of feature factors and feature model is also carried out, which plays a great role in promoting the automatic approval of the credit system of financial science and technology enterprises.

Key words: rule engine, financial risk control, feature model, reference counting method