Study On Risk Control System Of Online Peer-to-peer Lending In China

SMEs are an important part of our national economy and the most active cells of the market economy,have important strategic significance to the national economy and social development.However, due to the relatively small size of SMEs, run instability, poor ability to resist risks, it can not get service from the traditional financial institutions and exist a financing problem. As a new financial model, P2 P network lending puts information technology and financial lending services fully integrated to broaden the financing channels and ease the financing difficulties.P2P network lending boom,but at the same time,it has been faced with the lack of legal, regulatory gaps, no self-discipline and other issues, the platform itself also have many issues,such as borrowed funds lack of supervision, credit review mechanism is not perfect, imperfect system of internal control, information disclosure mechanism deletion.According to Net Loan House data, by the end of 2015, the total national operating platform are 2595, the number of platform issues reached 896. In order to promote this new financial model can be healthy and sustainable development,how to prevent P2 P network lending industry risk and conduct effective supervision will be an important issue.In this paper, using literature review, comparative study of network lending business model, developing situation, study analyzed the risks and how to conduct effective risk prevention and control and other aspects: First, a more comprehensive analysis of the risks on the P2 P network lending, mainly analyzes the legal risk, credit risk, operational risk and general financial risk of the platform; the second is proposed risk control system construction idea of P2 P network lending, risk analysis platform based on the combination of a good P2 P net loan development Britain and other countries regulatory experience, and risk prevention and control of net loan platform put forward countermeasures and suggestions, hoping to provide valuable reference for P2 P net loan platform of regulators, investors and practitioners, and promote stability in the emerging industry continued development of.