Research On Risk Assessment Of Online P2P Lending In China

P2P lending has been faced with such problems as high cost of capital, high rate of bad debts from the date of birth. However, the relatively loose policy environment, P2P industry has achieved rapid development, made tangible contribution for inclusive finance. But at the same time, potential adverse effects are apparent, along with the increase in question platform, P2P risk assessment also more get attention.This paper mainly through research on the present situation of the development of P2P lending in China, the borrower's credit risk assessment model was constructed and lending platform risk control model, the risks of P2P loans to carry on the empirical analysis. From the perspective of the analysis results of borrower's credit risk assessment model, the number of the loan of borrower overdue, the central bank credit report, annual income, debt-to-income ratio, possess higher weight when evaluate the borrower's credit level; Through practical verification, lending platform risk control model also conforms to the present status of the P2P industry in China, as a reference, can let investors can more intuitive understanding of the P2P platform. At the end of the article according to the analysis conclusion, the P2P network in China is borrowing regulation are proposed.