Study On P2P Network Lending Platform Operation Mode Based On The Perspective Of Risk Control

Small and micro businesses who cause the strong demand of money have become an important force in promoting China’s economic development.However,they are facing the most defficult problem of financing. P2 P lending has served as a kind of financial innovation effectively ease the financing problem of small and micro businesses, also,P2 P lending platform provide a new way for investment. However, due to the operating mechanism is imperfect and supervisory system is not in place, operating risks of P2 P lending platform which are the biggest barrier during developing have accumulated, so that a large of platforms failed.From the perspective of risk control,the paper mainly analyzes the problem and reason of P2 P lending platform in operation,otherwise,we put forward some suggestions from the improvement of platform’s modeland supervision of government.Firstly,introducing the development of the domestic and foreign P2 P lending industry.It analyzed and concluded characeristics and effects of each P2 P lending platform’s operation mode.Then,from the perspective of risk management,it comparatively analysis of domestic and foreign P2 P lending case, expounds the main source of P2 P lending risks are the borrower’s credit and the executive effect of platform’s risk control mechanism in operation.Otherwise, it will provide the basis for improving ability on risk control of domestic P2 P lending platform through analyzing and summarizing valuable experiences of P2 P lending platform operating successfully. Finally, from the view of strengthening risk control and government supervision,we puts forward a proposal to improve China’s P2 P lending market that on the base of China’s finance environment and learning domestic and overseas experiences of successful lending platform.