Research On Credit Risk Prevention And Strategy Of P2P

P2P network lending platform to broaden the financial channels of investors as well as the financing of the financing way, improve the efficiency of the financial market, but also brings a lot of instability and negative impact. With the development of the P2P network lending industry, the failure of the P2P platform, the boss on foot, the platform of illegal fund-raising events occur frequently, the industry’s own risk problems gradually exposed. This paper to our P2P network lending industry risk of credit risk, credit risk prevention status and credit risk formation were research and discussion, the next step how to adjust, optimize and supplement the existing prevention measures, so as to effectively prevent our P2P network lending industry credit risk, further standardize the development of the industry, and puts forward concrete suggestions.First of all, these papers on the concept of P2P network lending, operation process, characteristics were studied. The industry mode of operation, the current situation of the development of domestic, platform summarizes the focus on combing the credit risk and the credit risk prevention status. On the basis of elaborating the risk status quo of P2P network lending industry in China, this paper mainly studies the essence, characteristics, harmfulness and current status of credit risk prevention in the industry. The P2P network lending industry risk types mainly include credit risk, interest rate risk, flow risk, legal risk and moral hazard, this paper argues that the credit risk is the main risk affect the development of the industry, throughout the industry. In the face of the credit risk of the industry, this study analyzes the China in the credit environment, legal environment, regulatory environment external risk prevention environment and industry self regulatory environment, P2P network lending platform internal risk control measures of internal risk prevention status. After research, at present, the overall risk prevention environment and the existing preventive measures of P2P industry in China are difficult to effectively prevent the credit risk of the industry.Secondly, in this paper using financial risk theory, credit risk theory and asymmetric information theory point of view, further study and analysis of the formation of the P2P network lending industry credit risk external reasons and internal reasons. From the external point of view, the industry information disclosure mechanism is not perfect, which is causing the main reason of credit risk, the credit environment caused by imperfect P2P credit rating industiy are not objective and accurate, the industry regulatory lag breeding credit risk growth space, legal environment is not perfect for the development of the industry can depend on, the credit risk caused by illegal crime cannot get timely, forceful blow. From the platform of lack of funds monitoring, clearing and clearing, the operation is opaque, the employee credit risk prevention and management mechanism is missing, and the internal cause of the formation of industry credit risk is analyzed.In order to further prevent P2P network lending industry, all kinds of risks, regulate the healthy development of the industry, this paper summed up the industry risk status and risk formation mechanism based on, through the reference of foreign advanced experience of P2P network lending industry practices, from the P2P network lending industry standardized system of external and internal self-discipline construction of two aspects of, proposed to do a good job of industry risk prevention countermeasures and suggestions. In the external institutional norms, one is to strengthen the information disclosure mechanism of the construction industry, industry standards, clear information disclosure content, strengthen the external supervision industry information disclosure; the two is to improve the construction of China’s credit system, expand the coverage of credit system, strengthen the credit industry docking areas and the people’s Bank credit system, perfect the mechanism of information sharing within the industry; the three is to speed up the establishment of P2P networks lending industry system of laws and regulations, legal norms and upgrading improving information disclosure, credit management, multi P2P networks lending industry initiatives to combat illegal crime; the four is to improve the supervision system of P2P network lending industry, in order to carry out supervision and enforcement cooperation, P2P platform performance without deviation according to the provisions of the information disclosure obligations, timely warning of credit risk; five is recommended to perfect the construction of P2P networks lending industry financial consumer protection system, multi-channel to carry out publicity and education. In terms of self-regulation within the industry and mechanism construction, one is to the disclosure of information as the core recommendations to improve the P2P network lending industry self regulatory environment; second, perfecting the P2P network lending platform internal credit risk control system.