Research On P2P Net Loan Risk Control

P2P network lending as a new term to attract the attention of many people in the community. The new financial pattern of the financial Internet plus is with its inherent charm impact on traditional financial institutions and leading the new financial services reform. In our country the earliest P2 P lending platform in 2007 pat credit, since 2012.The annual turnover of net lending and Ying Chan consulting released data 2015 net loan close to trillion of 9823.04 billion yuan, historical cumulative about 1.4 trillion).It can not be denied that financial innovation is a double-edged sword, in virtue of modern information technology to carry out financial services and the rapid development of the economy at the same time also exposed their own shortcomings. Followed by a P2 P network lending platform facing the status of cohabitation, provided is now difficult, on foot, suspension of business, economic intervention followed, the eyes of the social from all walks of life gradually transferred to the research on risk.As a new financial model for policy mode ling P2 P net loan risk management the ambiguous. If hope through to the China Banking Regulatory Commission will regularly submit report forms by the China Banking Regulatory Commission implemented more stringent management, but it itself and do not have the qualifications for the bank and most of them belong to the private; if hope by the Commission, the China Insurance Regulatory Commission will achieve a professional management, but because they do not have the relevant conditions is not exclusive to engage in securities, insurance and financial institutions; if hope through the financial control, and the relevant policies and regulations does not provide financial office of law enforcement as a temporary measure non professional belonging to government agencies. Therefore, in order to fundamentally improve the risk management of the industry, the need for P2 P net loan industry itself to enhance their risk control capability. On the basis of a clear impact on the normal operational risk factors of their own net loan platform, to take active and effective measures to avoid the risk, to achieve the normal, stable operation.In this paper, the development logic and the current development status of the platform are discussed from the point of view of P2 P net loan platform. The risk of P2 P net loan platform is mainly divided into two parts, the financial risk and non-financial risk. Subsequently, in the net credit platform and each sample platform official website collected with relevant experimental data, based on data for screening and classification, factors to influence the normal operation of the network lending platform were analyzed with logistic regression analysis and test. At last, this paper puts forward P2 P risk control measures based on the relevant theory and the current situation of P2 P industry development and regression analysis. Proposals to regulate the circumvention risk P2 P subject not only to countries and institutions of discipline is also inseparable from the related enterprises and Internet banking industry association self-discipline-- only multiple together to from a certain degree of risk aversion. These risk control methods have certain reference value to practical activities.Of course, for P2 P, the new things, different industries in different areas will exist different views, I believe that theoretical research on Internet financial risk will be more and more mature and rational, so as to guarantee the P2 P wind control practice more and more specific and effective.