Research On P2P Network Credit Behavior And Risk Evaluation-the Case Of PPDAI.COM

The development of network globalization P2P lending market began to appearin domestic and abroad, P2P credit model is gradually getting people’s attention. P2Pnetwork lending market has appeared since2005, with its rapid development hasgreatly changed the traditional financial lending model. Network lending market inChina is booming from2007.According to statistics, the number of P2P networkCredit Company has reached523and it has increased by253.4%. Our networklending market is booming. But in recent years, the net credit risk has occurredfrequently, the P2P network platform based on credit risk has become the most mainrisk P2P network credit transactions and the whole development process in theindustry, induction factors only the correct recognition of credit risk, thecharacteristics of credit risk and change trend, to guard against and defuse the risks.Based on this, this paper researches on P2P network credit behavior and riskevaluation, the main contents include the following: the first chapter is theintroduction, mainly introduced the research background and significance, researchreview, research methods, and the structure of the thesis. The second chapter is thecase analysis, pat-net credit company as its basic situation of concrete casesintroduction, summarizes the basic development present situation, at the same time,the concept of P2P is discussed. The third chapter is the analysis of the existingproblems and reasons of credit behavior of P2P net credit company, four from theaspects of customer credit management system is not perfect, risk assessment andmanagement mechanism is not perfect, bad control ineffective and P2P net creditcompany lack of popularity, analyzes the existing credit behavior of P2P net creditcompany of the problem, and then from the risk of the company control ability is notstrong, the market lack of financial supervision, social credit system is not perfect,lack of funds, loan platform security, five aspects of lack of funds and financial talentadvantage analysis of credit behavior of P2P net credit company problem. The fourth chapter is the research on credit risk evaluation of P2P network credit.The fifthchapter select the P2P network Credit Company risk assessment strategies, from theperfect personal credit system, perfect the management mechanism on site audit, riskassessment, control bad user ppdai platform four aspects of cultivating strategies arediscussed in detail. The sixth chapter is the conclusion and prospect. The credit riskhas become the most important risk of P2P network credit and the development of thewhole industry. To identify the credit risk factors correctly is an effective way toprevent and mitigate credit risks. Strengthen the management of P2P network creditrisks is a necessary means to protect credit quality and promote the healthy andsustainable development...