Research On The Construction Of P2P Credit Risk Management Cube System

P2P (Peer to Peer) lending, which stands for peer-to-peer lending, is a way for the people who want to make investments, through the qualified intermediary on which people who are in need of money can borrow. Among them, the intermediary shall be responsible for the detailed investigation of the borrower’s economic benefit, management level, development prospects, and charge account management fees and service charges and other income. With the development of science and technology, the network platform to achieve point to point P2P lending has become the most convenient, the most common pattern, is what we commonly known as the P2P network lending platform.But the P2P network lending platform as a kind of exotic, in China started late, the development time is relatively short, with all aspects of network technology policy system, the credit system is not perfect and so on, factors, the attendant risks will gradually rise. In recent years, there have been closed and P2P Run away event, many investors lose everything, but also reflects the importance of strengthening the risk management of it. Therefore the study of risk management mode suitable for China’s national conditions, make the P2P network lending platform in China in the process of operation and better risk aversion is more reasonable, necessary.This paper is based on the basic theory of risk management, combined with a comprehensive risk management concept, innovation of the credit risk management system of the P2P cube, namely the establishment of the overall P2P lending risk management system from the three aspects of management, management of the whole process, all elements of the management point of view, in order to realize the P2P loans comprehensive risk management, reduce the risk coefficient the P2P lending, as a kind of Inclusive Finance in the form of better service to the public and provides a new idea and method, this paper also through the list of risk management methods of a P2P lending platform, to explore how to use the cube system to improve their risk management practices in the design, through the relevant theoretical statements and design examples, this paper believes that as the Rubik’s cube system a kind of beneficial attempt and exploration of P2P credit risk management, is a viable model, will also provide more ideas for further study, so as to promote China’s P2P network lending industry healthy and benign development.