Research On Enterprise Risk Managemengt Of P2P Network Credit Platform

In recent years, the P2 P network credit financing develop rapidly, it has presented an explosive development from 2013, As of January 2015, the normal operation platform is close to 2000, but from the beginning of 2013, network platform unceasingly erupts various problems, and credit risk is the main risk in our country credit P2 P network platform operation process.Now, China’s P2 P network credit risk management technology is relatively backward, especially the risk assessment, as the core of credit risk management, cannot meet the requirements of the transaction participants on the loan security measures. Therefore, how to establish a scientific and effective credit risk assessment method for P2 P network credit in our country, to improve the level of credit risk control is imminent.This paper is divided into six parts. Firstly, the paper introduces the current situation of the development of the domestic and international mainstream P2 P network credit model and domestic and foreign credit P2 P network, after on the risk management theory as the basis, identify the types of P2 P network credit risk, then detail to evaluate credit risk of the network platform, typical analysis of the applicability of P2 P credit platform risk evaluation of personal credit risk. Using AHP analytic hierarchy process to build a model, build a set of personal credit rating criteria suitable for the current P2 P network credit platform actual situation, to quantify the borrower’s credit indicators. Then the network credit platform carry out the beforehand, in the matter, after the event of risk monitoring. Finally, analysis of the operation mode of the current mainstream P2 P network platform pat credit loan, the AHP level analysis method to model specific assessment of the risk of Pat net loan lending platform, and analysis of its risk control processing method. Finally, on the existence of the problem put forward reasonable suggestions.The innovation of this paper is mainly about the risk identification, risk assessment and risk control of the network credit platform from the perspective of risk management. And assess the individual credit risk of the current P2 P network credit platform. On this basis, from the P2 P network credit platform operations in advance, in the matter, after the event and other different ways to find out the risk types and the implementation of risk monitoring. So as to effectively avoid the risk of the operation of the platform, and promote the healthy development of China’s P2 P network financing industry.