Research On The Risk Prevention Of P2P Lending Platform

In the rapid development of Internet technology, network and deep financial integration has brought new actors and continuing innovative financial models, one of which will be for the P2P network lending. This new model is a useful complement to traditional credit finance, it is widely accepted by the market, and rapid development.Since 2013, China’s P2P network lending platform in the number and size have shown a trend of rapid expansion in the fast and convenient way to meet the financial needs of small and medium borrowers and investors risk financial needs while also gradually exposed. Because of P2P network lending platform operating mode varied, uneven level of risk control, the collapse of the platform, suspension, foot and other problems frequently. This not only undermined investor confidence, but also to regulators an enormous challenge. At present, China has no regulatory body clearly P2P network lending platform is the lack of supervision from the outside to the system construction of internal risk control platform. Therefore urgently explore a suitable risk control system of P2P network lending platform.From our P2P network lending platform business model proceed to select different modes most representative platform-depth analysis of the status quo in terms of business development,mode of operation, revenue streams, risk prevention and control system and so on, respectively, to tease out the system from the outside from the internal market and the risk of common platforms,analyze the cause of the risk, and finally the construction of two platforms from external supervision and internal risk control system, to explore a P2P network lending platform of risk prevention and control approach.