Research On Risk Management Of Internet Debit And Credit Platform Under The Background Of Internet Finance

As the emergence of a new model of financial innovation, network lending platform grabed the whole society’s eyes. As financing problem of SMEs has always existed, our inflation rate is high, causing preservation of the assets of our residents difficult. Network lending platform has alleviated this problem significantly. However, in today’s Internet-based financial background, as a new financial innovation, risk management of network lending platform is still in the beginning stages, the risk of problems are beginning to emerge gradually.the concept of the network is very easy to understand,it is that lending certification, billing, clearing and settlement, and all other processes are all achieved through the network. The amount of borrowing is not high generally, without collateral, are credit loans, both lenders and borrowers can stay at home to complete the process. Online lending is also divided into B2C and P2P (Peer to Peer) mode. However, the current mode is carried out mainly in P2P networks lending. P2P also refers to the individual’s personal business. Mainly through e-commerce network platform to help both lenders and borrowers to complete the relevant procedures and to determine borrowing relationship this is an era of needs and progress, internet banking is difficult to compare the speed with a rapid expansion in the financial markets The emergence of the network enriched the level of the credit market greatly.However, we see convenience of network lending platform, we also need to guard against its risks. In China, the network lending platform is in a blank regulatory state, there is no legal and regulatory norms and its regulation, because of its specificity, financial institutions that may arise not only credit risk, market risk, interest rate risk, but also including money laundering risk, technology risk, the risk of particularity, it is urgent to take measures for prevention and control of risk.This article reaserched the context of current Internet network lending platform for the various arising risks, as well as lending platform of the current network status and problems of how to take concrete measures for risk prevention, finally,we conducted a specific and detailed analysis of the risks and risk prevention.