Research And Analysis Of P2P Product Innovation, Risk Control And Industry Supervision In China

As an important part of the field of Internet finance, P2 P will be the Internet and financial innovation depth integration. From 2014, the industry got into large-scale explosive growth. Expected by the end of 2015, online trading volume will reach 80 billion. Plus the line of business, the overall size will exceed trillion level. The emergence of P2 P, as a reform of the financial system of China, has been developed and expanded, which has promoted the development of the national economy and promoted the pace of financial innovation.But there are risks, problems and worries emerge in an endless stream. P2 P integrated Internet information services and financial services, many innovative products business boundary is very vague, leading to difficult to implement the traditional supervision, resulting in the absence of supervision and efficiency. The combination of online and offline mode, making the business opaque and asymmetric information. Internet finance institutions in product innovation, due to the lack of professional management experience and the non systematic risk prevention mechanism and control ability, resulting in many P2 P platform in the financial wrong mechanism and the interests of the distribution mechanism, etc..The essence of finance is the risk management, and the operation of any successful financial enterprise can not be separated from the legal and regulatory,good control of liquidity and credit risk. Therefore, it is very important to study the product innovation and industry supervision, and the establishment of risk control and credit rating system of P2 P enterprises.Through literature survey, statistical analysis and empirical research, this paper studies the industry, product, risk control and supervision. To find out the opportunities and potential risks of P2 P business model and product innovation, and the potential risk points of P2 P business platform, we propose to strengthen risk control of platform. Finally, from the main problems of the current regulation, the paper puts forward the main points and methods of domestic P2 P industrysupervision.