| Firstly, the paper introduces the status of P2P online lending in China and aboard and analyzed the risks. Then the paper constructs risks evaluating model of P2P online lending. At the same time, the paper reviews the regulatory mode of P2P online lending in China and aboard and proposes policy recommendations of P2P online lending at lastlyWith the Internet plus, financial Internet and Internet fiance development people learned familiar with the field more and more slowly, and began to enjoy the convenience of financial change. P2P online lending as a new product of the Internet of private lending, is effective to meet the financing needs of small and medium enterprises and individuals. It provide the public with a new investment and financing channels. But in the rapid expansion of the same time, many P2P online lending platforms is also constantly shuffling, frequent collapse of the company, the person in charge of running the phenomenon. P2P online lending also revealed the traditional banks with different types of risk, some P2P online lending platforms had been suspected illegal fund raising, illegal absorbing public deposits, potential social security risks exist, lead released a number of experts and scholars concern. Because of regulatory policies not perfect, the P2P online lending shows the status of chaos. Therefore, assessing the risk of P2P online lending platforms and establishing a regulatory regime to adapt to the current need are very important.The main research methods of this paper is as follows:Through the comparative study of the risks of the P2P online lending, regulatory model in China and aboard, the paper proposes risks assessment of the P2P online lending platform and put forward with the regulatory policy recommendations. Questionnaire research method for finding out the main risks of the P2P online lending through the issuance of questionnaires. Then the paper establishes risks evaluating model by using public statistics.The main research process of this paper is as follows:The chapter one is introduction and introduces the status of P2P online lending and the development in China and aboard briefly; The chapter two starts from the status of P2P online lending and researches main problems of P2P online lending in China; The chapter three analyzes the main risks of P2P online lending; The chapter four establishes risks evaluating model based on the characteristics of the model in China and abroad; The chapter five analyzes the risks prevention and supervision mode of P2P online lending in the foreign; Lastly, the chapter six makes the conclusion and puts forward relevant policy suggestions of P2P online lending in China. |
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