Research On The Risk Of P2P Network Credit Platform

Along with the fast rise in number of P2P lending to the Internet platform, the amount of net credit platform, and sustained and rapid growth of business scale, its in order to solve our small micro enterprises, individual businesses and individual financing difficult problem provides a new way. However, because there is a certain lack of regulation and industry self-discipline degree not high, lead to frequent recent P2P Internet platform lending risk events, issues platform number increased significantly. As a result, P2P lending platform risk control problems began to the attention of scholars.Based on P2P lending to Internet platform risk control, the research point on the analysis of the domestic current situation of the development of P2P network credit platform, and risk on the basis of performance, analyzed the network platform of the main causes of operating risk. Studies suggest that the current situations of the risk of lending to P2P network platform in operating main show is:one is the problem platform obviously increase the number of; 2 it is to borrow the concentration is higher; 3 it is platform capital leverage remain high; Four is platform borrowing rates on the high side; Five risk embezzlement is platform; Six is platform there is liquidity risk; Seven is platform asset quality is low risk; There are eight information technology risk. At the same time, the research related to the causes of these risks are further analysis, including the imperfect law, the regulation does not reach the designated position, platform, weak risk control ability, social credit condition, etc.Against these risks, this paper argues that we should perfect relevant laws and regulations, clear regulatory body, to strengthen the construction of platform itself, strengthening industry self-discipline, the implementation of the third party escrow system, set up a unified barriers to entry and other aspects, and take relevant Suggestions and measures, in order to further improve the P2P lending to the Internet platform of risk control ability.