Research On Risk Prevention Of China’s Network Loan Industry

P2P network lending is supported by Internet technology, making between the individual and the individual information communication, resource sharing and financing become more convenient and fast, many can not from banks and other lending institutions to obtain funds to finance provides a new financing channels. Since 2005, the financial innovation model P2P has been widely recognized by the market, and quickly spread throughout the world.In view of the world of the existing laws and regulations and the economic situation is not the same, P2P lending network in various countries localization process and operation mode are different. At present, based on the traditional form of our country network lending industry also evolve out of the many of the characteristics of "Chinese pattern", compared to the original form of tradition and change in the pattern of a certain degree, to the Internet lending industry, internal risk management and external financial supervision change adds no small difficulty. China’s financial regulators attitude toward P2P and other new financial development situation is likely to admit its legitimacy, and called for the development of the sun. And this kind of network lending industry development to maintain a certain degree of tolerance attitude, is a double-edged sword, in the industry in the rapid development of domestic help and gradually make the industry of all kinds of risks exposed one by one.The continuous development of China’s Internet banking, the P2P in the operation of the process of localization, many acclimatized phenomenon began to highlight. The most direct manifestation is the "default" frequency, "run away" outbreak. Due to the regulatory body just in place, the relevant legal system is not perfect, combined with the risk management technology is relatively backward, resulting in market appeared a large number of the poor quality of the platform, causing significant adverse impact on the development of the industry as a whole. Therefore, to improve the P2P network lending platform of risk management, has become the primary task to solve.2015 is P2P network lending industry, the rapid development of the year, the number of new platform for domestic record highs, borrowing funds scale exceeded 100 billion yuan, in the number of all the ever-changing, P2P platform in several provinces in the country fall flowering, at first glance is a thriving scene. However, in 2015 is also a P2P network lending industry focus on the outbreak of the year, both from a number of issues with the platform or involved in the funding scale,2014 and the geometrical times growth, this in continuously to the people because of the stock market bear market caused the fragile risk bearing capacity and investment confidence of blow at the same time, again another everywhere challenge the regulator’s bottom line. It should be said that the P2P network lending industry inflection point is in front of us, to want to get rid of long-standing rather than this sink, industry platform, regulators and investors still have a long way to go.This paper in recent years our P2P industry development focus and unfairness analysis in P2P industry thriving representation under the cover of long-standing risk, causes and effects and to our P2P network lending industry risk prevention proposed some suggestions, to the industry to sunshine, orderly and stable development.