The Risk Management And Control System Of Lending Club Platform

Internet financial is a hot topic in current environment of economic; P2P lending is a hot spot in the internet financial. In 2013, China has grown into the world’s largest P2P market, but with the collapse of brilliant behind nearly a year of domestic P2P lending platform, foot frequent phenomenon, various problematic, the development of the industry not very healthy. Some of the reasons behind the problem are objective, and some are subjective. Objective are the main reasons of the law is not perfect, the regulation is not in place, the market competition over; subjective reason mainly platform for the lack of moral self-discipline, do not pay attention to the accumulation of core technology, do not pay attention to the construction of internal risk control system and so on. In this paper will be on the phenomenon and the reasons behind the detailed description and analysis. In order to compare the research, this paper describes the status of the development of the P2P lending industry at China and abroad, through the comparison to dig deeply the reasons behind the domestic and foreign P2P lending industry. Trading pattern is the key to the P2P lending platform, a good pattern can avoid a lot of risk points, so in order to better analyze and explore the risk management of P2P lending platform control, this paper will introduce the main P2P lending trading pattern. "Stones from other hills may attack the jade", Lending Club is the most success company of P2P lending field in the United States, the risk management and control system of Lending club is worth learning from domestic counterparts. This paper focuses on the analysis and research the risk management and control system of Lending Club, and from the social, technical, management point of view in detail. Finally, combined with the problems and status of the domestic P2P lending platform, and this paper is concluded that our country’s P2P industry needs to "strengthen the market supervision of Internet lending, and gradually improve the credit system of our country, strengthen the internal management of P2P company and pay attention to technology research and development".