Social Risks And Countermeasures Of Network Lending Platform

Since 2013, the P2 P network credit company has developed rapidly in our country, raise provides many possible for private capital, but with the \ "run\" event and frequent borrower defaults, no matter from the perspective of the perfect degree of development scale or the organization, China’s current run of P2 P network platform of subprime lending and traditional financial borrowing form cannot be compared, also at a disadvantage in the industry competition status, especially in the P2 P network platform of subprime lending in China lacks the necessary law guarantee, is not standard, there is more to the operation of the need to constantly improve in the future. Easy to trigger a new type of illegal fund-raising and malicious fraud behavior, affected the healthy development of the industry as a whole. This article first has carried on the related theory summarizes that P2 P lending platform door in the process of development, mainly relying on e-commerce and information technology platform for financial transactions, participants are miscellaneous and participate in large number, is this kind of circumstance, if still operate in accordance with the traditional way of financial transactions, the high cost and difficult. So, in the P2 P lending platform door operation process, the need to fully rely on network information technology, through data processing, in the case of improve the safe operation of network, improve the quality of network operation. Then, to our country the p2 p lending platform model and risk are analyzed. And the p2 p lending platform social risk factors are analyzed, and think the p2 p lending platform perspective, due to the threshold of the industry is low, may make in the lending process, the corresponding risk levels. Because in the process of industry development, the development of corresponding sizes, development level is limited, and different platforms have different levels of credit, the gap is big, cause because of the high operation risk. Finally, based on the problems puts forward some countermeasures to cope with p2 p lending platform of social risk to think, think our country law about network credit is still blank, in the process of related legal practice is mainly rely on private lending solution of dispute, but the folk lending the provisions of the law of network borrowing is missing, only by reference to the provisions of the spirit of the law, effect is poorer. Therefore, a special law is imminent. P2 p lending platform operators can refer to the operation mode of the our country commercial bank management accordingly, in the process of market development, to strengthen risk control and prevent money laundering and other illegal activities. In the process of financiers were selected, to set up a sound strict risk control team, through the construction of good fusion environment, to improve the p2 p lending business platform construction in our country, fundamentally solve the financing platform construction in our country at present exist in many negative problems. At the same time, to strengthen the use of the network security technology, to improve the security of network finance secrecy, reduce because of the technical defects of the financing risk problems.