Research On The Riskfactors And Preventive Mechanisn Of P2P Lending

With the rapid development of information technology and computer technology, Electronic finance, which is a new form of financial industry, has been developing rapidly. Electronic finance with its efficient, convenient advantages, unlimited extension to people’s production and life, the ubiquitous display of the Electronic finance opening, collaboration, sharing, Electronic finance with its "Inclusive Finance" characteristics, for the public "fragmentation" of the funds provided by the investment channels. At the same time, it also can effectively solve the problem of financing of small and medium-sized enterprises, the development of small and medium-sized enterprises in our country to inject vitality.However, as any one of the new things will appear all kinds of problems, Electronic finance is no exception. When the Internet is in full swing in the development of the situation, the risk of its potential problems are gradually exposed. For the development of new things, we should be tolerant of the attitude, not because of the existence of the risk, we should ignore the positive side. For the development of Electronic finance, we should give it a certain space of trial and error and risk tolerance, continue to explore and improve the risk prevention mechanism, promote the financial health of the Internet, the stable development.In this paper, the author compares and analyzes the domestic and foreign well-known Electronic finance Peer-to-peer lending platform for different operating modes and risk prevention mechanism. Based on the latest P2P lending industry data on the causes of the problem of P2P platform is analyzed in depth. Through quantitative analysis and qualitative analysis method, the Peer-to-peer lending platform is analyzed from five aspects:the on-line operation time, the number of registered capital, the regional distribution, the market competition and the registered type. Finally select a company engaged in the P2P lending business in-depth analysis, detailed analysis of its risk types and risk factors in the course of operation, and the risk prevention mechanism of the Target Corp put forward practical suggestions and measures. It is expected to provide a reference for the risk prevention of Electronic finance.