Research On The Opportunity And Challenge Of Development Of P2P Net Loan Insurance

Since the emergence of P2P network lending, it has a rapid development. At the same time, it received a lot of attention. The so-called P2P network lending refers to both debits, and credits explore own suitable partners through Internet technology in the P2P platform to build a lending relationship and resulting in capital flows. P2P network lending can absorb the social idle funds, and it has also become the important way of medium and small micro enterprise financing. This is a way of direct financing, and compared to traditional bank lending, this way is more convenient and the investor can get higher income. But P2P network lending as exotic, domestic development in a shorter time, combined with the current imperfect domestic legal and economic environments, it faced a lot of problems. Since 2012, the escaped-on-foot events have happened on the P2P platform, how to control the risks of P2P network lending related to the healthy development of itself. Although P2P networks loans take a lot of risk control measures, such as third-party guarantees, managed funds, verification of the information, etc., but these means are not effective, the reduction of the guarantees and the introduction of insurance has become a trend in the development of P2P networks loans.This article from the P2P network lending development situation to analyze the disadvantages of the current P2P network lending risk management method and the risk of P2P lending, then introduce the feasibility of the insurance mechanism in P2Pnetwork lending. But in the current domestic economic environment, inadequate legal regulation, imperfect and lack of professional talents are restricting the development of P2P insurance business. The author proposed the development strategy of P2P network based on the characteristics and requirements of the insurance business, including ensuring reasonably priced insurance products, train professional talents, improve the legal environment and so on.The innovation of this paper is that P2P industry should how to develop after removal of the guarantee of P2P industry and propose the introduction of insurance mechanisms to control and prevent risks, safeguard the interests of policyholders ideas, and a detailed analysis of the feasibility of introducing insurance mechanisms and obstacles, which is of great significance in theory and practical.