In The Development Of P2P Lending Risk Control Research

In the background of China's economic development in new normal in 2015, the pressure of economic downward increasingly highlight, with the government's vigorous support to the Internet finance, the platform of Internet lending is known and accepted by more and more people, the platform of Internet lending in China began to develop rapidly,both the number of platform and the volume of business refresh the record. in the end of 2015, the content of specification of Internet finance was first written in 13 th Five-Year planning, which not only shows the Internet financial of modern economic development has played a very important role, also augurs that in the next five years, the Internet finance in China is about to usher a very important opportunity of reform and development. P2 P lending company, as one of the interconnected financial system, plays an important role in the current economic development,it not only can promote local economic, coordinate regional economic development, but also can solve the problem of the difficulty of small and medium-sized enterprise funds, increase social employment, narrow the gap between urban and rural areas to realize common prosperity. However,while P2 P lending maintains the booming development, P2 P network platform is also unbalanced in the regional development, the emerging market irregularities appeared in the process of management, weak supervision, Ponzi scheme, credit risk and other issues. P2 P is a new lending model,one can lend yours personal assets through the network platform to individuals or businesses who need them. That is,it becomes into a parallel mode of "online" and “underline” from the pure form of "underline", so that you can conveniently allows more people to microfinance. However, because of the problem such as the relevant laws and regulations are not sound, the lack of government supervision, the enterprise and individual credit reporting qualification is uneven, the development and implementation of government and relevant departments also need to support, meanwhile, the financial sector need to strengthen regulation and standardizeThis paper from the view of the mode and current situation of P2 P lending development, lead in the problems as well development of P2 P lending in China, the article introduces the risk detailly from four aspects. First, the risk of participants; Second, the borrower's credit risk; Third, the risk of lending to P2 P network platform; Fourth, the risk caused by external environment. Because of the external environment, such as legal regulations, industry standards, information technology cannot quickly adjust to adapt to the new development demand, leading into a flood of Internet lending platform in 2015,which increased more than two thousands than that in last year, and platform are of variable quality, the main reason is the industry's low barriers to entry. Because of the low barriers to entry, many company which have no experience of corresponding management and operation blindly follow into the trade, which caused that nearly a third of new platforms run away, withdrawal is difficult. This paper furtherly analyzed the cause of the failure of “e rent treasure”, and the reflection and summary, proposed from three aspects: government, investors, platform. This article also points out that the industry does not form, illegal fund-raising, appeared in the process of borrowing money laundering, fraud and other issues, seriously damage to the credit industry, the adverse impact on the future development of the industry. Second, the future health of P2 P network model have connection with the rapid development of risk control and the promotion of supervision system, so the methods of risk control are specially analyzed, aiming at the shortcomings of the risk control system at present, and connecting with the actual situation in our country from two aspects of control risk of external and platform itself, also revealing that the credit reporting system is not perfect in our country, such problems as lack of relevant laws and regulations, information opaque, put forward rationalization Suggestions to government regulation. Through the factors in risk of current P2 P platform and the cause of the outbreak of P2 P platform risk events, the management pattern, the legal management, scientific management advice are put forward in this paper. Article points out that the risk control of specific measures roughly are divided into four kinds: first, to strengthen the two-way auditing of borrowers and investors; Second, consummate personal credit reporting system gradually. Third, perfect the relevant legal mechanism, the P2 P lending to strengthen network platform. Fourth, perfect the network technology, reduce the risk of network. Furtherly defined financial responsibilities, strengthen the operation process, have a more in-depth discussion about our country present situation and problems of the P2 P platform risk control system.Based on the theory research, at the same time the article combines with the real case analysis, so the risk control method is very practical, normative development of the current P2 P industry has important theoretical significance and practical significance. Taking E rent treasure as an example in this paper, the article carries on the corresponding risk control research, combines with the country's most recent policy, and has an analysis of the future development trend of P2 P loans, points out that only if we perfect the laws and regulations, carry out the system of financial regulation, compliance management, P2 P lending can have a long-term development.