Risk Control Studies Of The P2P Network Lending Platform

In the development of information technology and support,in order to meet the needs of borrowers borrowing needs and small investors investment demand,a network of information technology based on P2P(peer-to-peer)network lending market came into being.The emergence of P2 P network lending not only provides a more efficient and convenient channel for both lenders and borrowers,but also an important supplement to the traditional credit market.Since the world’s first P2 P network lending business in 2005 to establish a platform,P2 P network lending market has emerged in many countries and has been rapid development.P2 P network lending market in 2007 to enter China,in the past two years,driven by the development of Internet banking,P2 P network lending market development and innovation are very rapid.However,from the development of P2 P network lending market in various countries,the system level,platform level as well as the market risk of lending participants level has gradually begun to show.And at the same time,due to various reasons,such as laws and regulations,credit system,P2 P network lending market in China’s innovation and the risk of the market more concentrated in the platform business and operational level.In the past two years,China’s P2 P network lending market,the frequent occurrence of P2 P network lending platform collapse,withdrawals and operators are difficult to cash on foot,indicating that the development of the P2 P network lending market has been distorted.Therefore,how to reveal and control the risk of P2 P by scientific method is a common concern of regulators,practitioners and researchers.This paper attempts to use system theory,control theory and other theories,through qualitative and empirical analysis to reveal the risk of P2 P network lending platform,so as to effectively prevent the risk of the platform.The article is divided into seven chapters to elaborate.The first chapter is the introduction of this paper,mainly introduces the background and significance of the topic,and then combined with the reality,the research content and research methods are presented in this paper.The second chapter is an overview of the P2 P risk control theory.The third chapter is the comparative analysis and study,through the comparison of P2 P network lending and traditional lending,to find out the risk factors of P2 P.The fourth chapter is the risk analysis of P2 P network lending platform,the main research of P2 P risk factors,risk identification,diagnosis and causes.The fifth chapter is the P2 P network lending platform risk control research,to explore the design and implementation of P2 P network lending platform risk control program.The sixth chapter is the empirical research on the risk control of the P2 P industry’s key platform,taking the red ridge venture capital as an example.The seventh chapter is the conclusion and Prospect of the research.The relevant research results of this paper can provide theoretical basis and policy recommendations for the risk management of P2 P network lending platform which is in line with China’s actual situation.