Study On The Risk Prevention Of P2P Lending Platform

The risk management theory as the basis, using literature research, case analysis method, carries on the analysis to the domestic financing platform P2 P network in the process of operation risk, that P2 P network lending platform to undertake risk mainly has: operational risk, credit risk and reputation risk, risk operation mode, flow risk, information and technology risk. And from the external cause and internal causes of the two levels of the P2 P network of the cause of the risk of lending.On this basis, the paper puts forward the preventive measures of the risk of P2 P network lending in China.. In the optimization of the external environment, this paper argues that we should improve the legal system of P2 P network lending, and explain the legal nature of P2 P network lending mode.. In-depth research, the development of a more targeted platform for lending management approach. The establishment of a multi-level P2 P network lending regulatory system. From the third party site certification bodies, third-party funds custodian, third-party credit rating agencies, third-party guarantee agencies, the three portals improve P2 P network lending supporting service system. Improve the construction and sharing of personal credit system. Content of customer personal credit report is described. Directories with a guiding role, to ensure the construction of credit system in line with market demand and the provisions of the legal system, allowing P2 P network lending platform through reasonable channels to obtain personal information, realize the sharing of credit information. In the P2 P network lending platform internal management, this paper believes that we should strengthen the risk awareness, improve the organizational structure of the platform and to improve the risk management mechanism.Technical risk management has always been a P2 P network financing platform for the survival of the foundation, how to present national conditions, and find out the suitable for our P2 P network financing platform of risk management techniques, control platform for operational risk, to maintain the premise of platform benign operation and healthy development of the industry. The research of this paper has important theoretical and practical significance for the development of the new financial intermediation platform of P2 P.