The Research Of P2P Lending Risk Prevention Issues

The combination of network technology and the private lending market demand, P2 P lending model emerged.P2 P lending is playing an increasingly important role outside the formal financial system. But in the process of its developing, there are some problems and risks in the P2 P lending market, which hinders the further development of the P2 P lending. It has the important significance in the research of risk preventing problems for P2 P lending.The paper puts P2 P lending risk preventing as the main line of research. First of all, the paper introduces the developing situation of P2 P lending in china, analyzes the operational mechanism of the P2 P lending and explores the existence point of potential risks. Secondly the paper uses Logistic analysis method to analyze the influence factors of lending success rate and the borrower overdue characteristic, which finds the credit risks of P2 P lending. Credit rating is the most important factor for lending success, but overdue lending in the high credit rating lending is relatively high, which is not consistent with the platform for the evaluation of the borrower. Therefore the paper analyzes the specific reasons for the credit risk. At the same time, the paper adopts the method of theoretical analysis to discuss operating risk and guarantee risk and uses the case analysis method to analyze legal risks of P2 P lending. At the end, the paper establishes the P2 P lending risk prevention framework. The establishment of the legal system of P2 P lending contributes to the regulation of P2 P lending for the regulators. Perfect credit system is one of the most important aspects of risk prevention. The supervision of government and industry is the fundamental Information disclosure increases the transparency of industry.According to the above analysis and demonstration, the paper puts forward the specific measures of risk prevention. Firstly in the aspect of government regulation, Improving the requirement of market access promotes the intensive development; Improving the social credit system prevents the credit risks; Standardizing platform running mechanism cleans up the industry’s mess. Secondly in terms of industry supervision, establishing a national self-discipline organization makes unified industry standard; Setting up information sharing platform realizes the information sharing mechanism. Thirdly in the platform risk preventing respect, The platform Checks on borrowers strictly and rates the borrower; Making information disclosure increases the transparency of industry; The platform cooperates with small loan companies to finish the lending process together.