| Since the 21st century, Internet technology has entered into all walks of life, the use of internet technology has promoted innovation and development of all walks of life, particularly in the financial field. In the last few years, great changes have taken place under the leadership of the Internet technology in the financial sector, the emergence and development of P2P network lending platform is a typical representative of the financial innovation. P2P network lending platform first appeared in the British, then slowly rise in our country, the P2P network lending platform provide credit information on the Internet, and complete online trading as purpose between borrowers and lenders, and collects the intermediary fees, P2P network lending platform that the emergence of new things, has attracted the attention of many capital demanders. For a long time, the stringent loan conditions of the formal financial sector makes the small and medium-sized business owners and consumers remain difficult to loan, it is this social background that has promoted the development of private lending. The progress and popularization of the Internet make active private lending walk from offline to online, P2P network lending platform is the result of the private lending combined with Internet technology, learned the advantages of the Internet, it could update information in a timely manner, and covering a wide range of transactions, it was convenient and had lower limit advantages which attracted the majority of the financial needs of all ages, at the same time it broadened the financing channels. Then our country entered a platform outbreak period, the number of platform increased exponentially, the number of customers and funds increased greatly.Because of the social credit system in our country is not perfect, it lacks the specialized legal regulation for the platform, P2P network lending platform was always in the state that has no access standard and has no regulator and has no regulatory system, it has been hovering at the edge of the law, leading the quality of P2P network lending platform varies greatly now, behind the prosperity of P2P network lending platform, the event of P2P network lending platform bankruptcy occurs frequently, due to the lack of regulation, P2P lending platform has changed with the localization of the mutation on the basis of the traditional pattern and has led to more risk. So we must put the P2P network into the scope of regulation as quickly as possible, and increase the risk prevention and control efforts. Only in this way we could made P2P net loan industry to develop healthy and stable. Articles start with the concept of P2P network lending platform, features and value, the platform is analyzed and compared both at home and abroad from the perspective of operation mode, the author attempts to propose appropriate preventive measures based on the risks they face.The article mainly includes five parts:The first chapter was the introduction. It included research background and significance, literature review, research methods and ideas, content, structure, arrangement and innovative points.The second chapter was the basic overview of P2P network lending platform. This part, combined the type and conception of P2P network lending platform. Because the innovative model could not be covered by the original conception, I made a broader definition and through the research about history I analyzed the platform’s characteristics and values on the basic of whole platform.The third chapter was contrast between domestic and international platforms. Through a detailed analysis of the domestic and foreign typical P2P network lending platform business model which included platform operational processes and risk prevention and control aspects. The article classifieds domestic and international platform according to different standards. Then I found the evolution of platform mode on the basis of foreign platform model. This was bound to decide the difference about risk categories between our country and other countries.The chapter four was summary about our P2P network lending’s risks. It included policy risks, legal risks, credit risks, operational risks and so on. Then the author analyzed the causes of the risks on the basic of research about root and found responses.The chapter five was suggestions to risk prevention on the basic of the conditions of our country. It included clearing regulatory body, improving the credit system, strengthening the construction of the platform risk control mechanisms and self-discipline. |
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