Risk Of Investors Based P2P Network Lending Platform

For a long time，small and medium-sized enterprises，agricultural fields and thesocialvulnerable groups is a common challenge which we are facing. P2P microfinance can getvery small amount of idle funds together，and people who need it can use it. This modemeet numerous individual capital demand，promote the development of small andmedium-sized enterprises，and stimulate the economic prosperity. It also improve theutilization rate of social idle funds.With the rapid development of Internet technology，the P2P microfinance graduallychange from single line to both online and offline，or in line mode. Because of thepopularity of the network and convenient，shortening the lending cycle，improving thecapital turnover rate，so that more people enjoy the P2P microfinance services. At present，in many countries in the world，such as Japan，Canada，Britain，USA and China，thereare different forms of network lending platform，its profit pattern is more and morediversification. In recent years，P2P network lending platform in China spring up like themushrooms in a large amount. Some of them is good and some is bad.Because the current network lending platform risk management mechanism is not yetmature，many Run-away-loans have emerged. Development of bad debts risk and policyrisk has been plagued by the net credit platform. In this complex situation，how to identifythe quality of investor platform， reduce their investment risk is an important topic in frontof us.This paper first of all analyses and summarize domestic and international platform forthe overall，and the net credit platform investors located industry risk are discussed.The countermeasures to strengthen the platform for internal control mechanism and riskmanagement，proposes the construction scheme of online credit rating system.