Risk Control Study Of Internet P2P Lending Mode

ABSTRACT:P2P, a rapid rise business mode in the context of the Internet financial industry, which provides people with a new financing channel and convenient way, is a useful supplement to the existing banking system. Due to the incompleteness of the credit system and the absence of regulatory and other factors in China, all kinds of risks emerging result in that P2P lending model is largely restricted the healthy development for this industry. Therefore, it is necessary to study the risk of P2P lending in depth analysis by the existence of a series of measures, and take effective regulation to control it.In this paper, using the P2P lending platforms status, models and other aspects of risk management through analysis from domestic and overseas, identify problems and shortcomings of existing P2P lending platform, then refer to the Yixin lending platform with online and offline business mode for the study, through in-depth study of the development, mode and risk management of the YiXin to find out a solution for YiXin for risky management control. On this basis, make several suggestions on the risk management of P2P lending platform. Hopefully, it can take effective control of P2P industry risk so that to make this new business model develop healthy and sustainability.The author gives her understanding for a P2P lending mode during the course study, and proposes different research perspectives and framework with some innovation. Its main innovations include:First, a comprehensive risk management theory, build personalized risk management and control model. Second, propose regulatory for P2P industry in strategic level, to build on the regulatory framework to effectively control of P2P platform risk. Third, use YiXin for a reference with a unique perspective to full-fill the blank in P2P lending platform.