P2P Network Lending Platform Credit Risk Assessment

Since the first Zopa P2 P lending company was born,P2 P lending market development rapidly.The current P2 P lending market in China is facing unprecedented opportunities and challenges,in the process of rapid development is facing the huge risk,the credit risk is one of the main risks facing the P2 P platform.Credit risk based on P2 P lending platform for research purposes,selecting unsecured on behalf of the platform on the credit as the research object.This paper expounds the development course of lending to P2 P network platform and the status quo,the P2 P lending platform risk type and risk status is analyzed.Review the traditional credit risk evaluation methods and modern ways of credit risk assessment,and borrowing with P2 P network platform of credit risk assessment way has carried on the comparison and analysis.This paper selects pure online platform pat loans as a case study,with its large data-centric "Mirror wind control system," the interpretation,pat-prime credit risk measures to identify the main mechanisms adopted are: the identification of false information mechanism,anti-malware fraud mechanisms and the default risk control mechanism.Way pat-prime credit risk control mechanisms are established mainly to take the risk deposit system,small decentralized investment,custody and third-party funds added P2 P industry association.While the introduction of domestic online and offline platform combining all loans and foreign securities mode platform Lending Club case,a comparative analysis of their credit risk assessment model and a pat on the loan.Analysis of similarities and differences between domestic and international platform credit risk assessment methods,to identify shortcomings of P2 P platform at the credit risk assessment methods.Credit is given to strengthen the system construction,the implementation of the risk fund programs to improve third-party fund trusteeship system and strengthen supervision,advocacy recommendations for discipline problems in the credit risk assessment.