Research Of Zhongjun Network Platform Loan Risk Control

With the development of technology and financing forms of change， present ahot Internet financial development potential. Lending to the Internet platform hasbecome the main way people financing and lending， and with the scale enlargementof using people and breeds new lending patterns. P2C borrowing is the Internetplatform， a kind of new management mode， enterprise primarily， is the borrowerto the creditor’s rights transfer enterprise has investment value through thequalification of quality of creditor’s rights of the project on the platform provides anew model of investors. As the growing financial services over the Internet， theInternet financial project. Most of the Internet platform and project about lending topeople with greater uncertainty， risk is relatively high and can’t meet investors toensure safety on the basis of get more profit expectations. Lending to networkplatform and the evolution of a new borrowing mode namely P2C mode. Although inmany Internet financial financing model of P2C still belongs to the contact mode ofborrowing less financing platform， its far less covering the breadth of the P2P butthis model better satisfy the individual have the convenience of idle funds to invest ina high demand for funds and small and medium-sized enterprises (smes). This modelalso exposed by the rapid development of a series of risks. Therefore， it is necessarythrough the development of P2C to analyze its risk and reasonable risk assessmentand policy Suggestions.Based on borrowing the theory of correlation analysis and understanding of theconcept of P2C， in both group P2C project as an example to all of P2C project， andthe advantages of traditional credit and risk assessment are analyzed. Through to thegroup existing in the introduction of risk assessment method for in P2C project groupin the introduction of the APH and DFC method of P2C project risk assessmentmethod to improve the network platform. According to face the risk of both group inthe risk assessment methods were summarized at home and abroad and combining thelatest risk assessment method and DCF model using the AHP analysis method for risk assessment method was improved in both groups and effectively enhance the riskcontrol ability in both group. Finally， a group in risk control and assessmentexperience of P2C risk control provides policy Suggestions to our country.