Risk Identification And Control Of P2P Network

In recent years,P2P development in China very quickly to achieve cross-regional,non-media,low-threshold financial intermediation channels.While its rapid development,all kinds of problems and shortcomings gradually exposed,therefore this research to the land of gold,for example,to identify and analyze the risks of P2P platform faced to the Lufax in the P2P platform analysis of the problems,and propose appropriate measures,how to identify and avoid risks is an important issue of this paper.From the history and current situation of P2P,analyzes the characteristics of China's P2P platform risks and risk.Describes the background and significance of the topic,carding a P2P net loan origination and development course and development model in our country,the use of relevant theories and FICO credit risk scoring model,on the profile of the land of gold and elaborated its risk and risk control methods of analysis,then the risks of P2P facing the industry to identify and analyze,and then describe the national policies and the introduction of the risk of P2P made suggestions,and finally summarizes the main conclusions of this paper.The risks of P2P facing the main information technology risk,legal policy risk,credit risk and moral hazard,describes the latest national introduction of relevant policies and make suggestions to cope with risks: improve information technology security,strengthening legal supervision,standardize trade barriers through the replacement of assets to transfer risk,but also can improve the credit scoring models,accelerate the establishment of an open credit rating market environment.The research method used: literature research,this study examined a large amount of literature,summarized discusses the research status quo,summarizes the P2P net loan origination and development,discusses the theory of credit risk and other risks;Case Approach This paper combined with China's actual conditions,in order to land the gold industry is an example of the risk management which is insufficient,what good experience,from the inspiration for the development of the industry.I believe the state and the P2P industry work together to develop P2P road will be wider and wider.