The Circumstances Of Domestic P2P Industry And Risk Analysis

P2P industry is one of the important innovations in the form of Internet banking and as an important form of personal or institutional investment approach. It has been everyone’s attention especially since the emergence of a large number company going bankrupt.It leads us to think the risks of the industry seriously.Firstly, through the introduction of China’s current P2P market size, business model and through data analysis methods we can analyze domestic market in the volume, duration and interest rate dimensions.Then the representative of Chinese P2P platform company compared with the foreign success of P2P Lending Club company, we can summarize the gap between domestic and international development of the industry and some useful references.Then, according to some case analysis,we can analyze risk types,including legal risks, lack of supervision risk, operational risk as well as the platform itself Cutthroat competition risk.At the same time, we can give some advice about how to choose P2P company to investors from the dimensions of risk control, asset quality and competitive advantage. Finally, the paper will have a prejudgment of government regulation and industry prospects.This article focuses on using the number of P2P industry for risk analysis, to some extent drawing some regular pattem of the risk, so that investors can choose a relatively secure P2P platform.