The Exploration Of The P2P Networks Lending Risk Management System Of China

Since entering into the 21 st century, accompanied by the increase of people’s income and the deepening of Internet technology, as well as our private investment demand continues to grow, new private lending-P2 P network Internet intermediary lending arises at the historic moment. P2 P networks lending rise and growth lending model is more transparent and pluralistic, improves the efficiency of civil is a lot of spare money, while increased private investment channels in China also makes up for our traditional financial coverage of defects, to a large extent, promoting the construction of advanced financial systems in China. While fully affirming P2 P networking lending positive energy lending at the same time, have to be concerned with problems of P2 P lending network in China, most P2 P networks lending enterprises in China is playing the role of commercial banks, but the lack of risk management system in commercial banks, the lending industry to the P2 P network planted a time bomb. Just because people need such an investment and financing channels, plus the P2 P networks unified credit industry entry threshold, for a rapid rise of P2 P lending platform in the network a short time. P2 P lending platform in 2006 and began to appear in the network 2013 development spurt, growth spurt while P2 P networks of risk of lending constant attention. Internet lending wants to achieve sustainable development, strengthen risk management has become the consensus of the industry as a whole. Based on domestic lending risks and causes of P2 P networks, and successful foreign experience in credit risk management of P2 P networks, in-depth analyses of the situation based on our net loan industry, credit risk management system as soon as possible the construction of P2 P networks.This thesis is divided into four parts. First, through on both at home and abroad on P2 P network lending literature of read, on China P2 P network lending of basic knowledge for described, on China P2 P network lending of unique of features for full analysis interpretation; Second on China P2 P network lending unique risk for integrated analysis research, on P2 P network lending three a participation subject that borrowing people, and investors, and platform different risk for in-depth understand; third, reference developed mature of P2 P network lending experience starts with, United Kingdom Zopa and United States Prosper’s success, lessons can borrow for P2 P network system construction experience; the last is based on a previous risk analysis as well as learn, puts forward a suitable risk management system.