Research On The Improvement Of Risk Control Of YX Net Loan Company

Peer-to-Peer(P2P) Lending has developed rapidly Since it entered China in 2007, and it experienced an explosive growth in 2013. However, behind this condition, a series of problems halved exposed in front of the public, such as the lack of law and supervision, immature risk control measures, which contributed to the collapse of many companies. The whole P2P Lending industry shrouded in a layer shadow. In this case, making YX Company as the research object, we focus on its risk control measures and try to analysand the advantages and disadvantages. We also include some other companies for comparison.In Chapter one, we present the background and significance of the topic and sort out the domestic and foreign literature. In Chapter one, we list the related theories about Peer-to-Peer Lending, including The Asymmetric Information theory, The Transaction Cost theory, The Herd Behavior theory and so on. We also introduce some common risks about Peer-to-Peer Lending industry. In Chapter three, we introduce the development of YX Company and its position in the industry. In this chapter, we focus on the outside environment of the industry, trying to analyse and find some problems. In Chapter four, we transfer our attention to foreign countries. We compare the external environment and the specific development models to seek advanced supervisory experience.In Chapter five, according to the study above, we list some suggestions about risk control and government regulation.