P2P Network Lending Risk And Regulation Research In China

With the development of the Internet and the rise of private lending,lending to P2 P network arises at the historic moment.Provides a new financing channels and financing convenience for people,is a beneficial supplement of the existing banking system.P2 P lending has the advantage,such as transparency,cross-regional,relatively low barriers to entry,many poured into the company,together with our country’s credit system is incomplete and lack of regulatory factors,such as P2 P industry also hidden in the process of rapid development of a series of risk problems.These risks including credit risk,liquidity risk,operational risk,the network technology risk,legal risk,etc.Therefore,it is necessary to carry out the risk in the P2 P lending patterns,and research which can take effective regulatory measures.Loans at home and abroad based on P2 P network platform development,pattern analysis,identify the main risk existing in P2 P network credit platform.And using the principal component analysis(pca)and improve the KLR signal analysis,adopt effective historical data and on the basis of selecting the main indicators of risk,to determine the factors significantly related with the risk variables,this leading indicator is used to predict risk.Reapply the KLR signal analytical method for improving draw on behalf of the degree of risk threshold,the comprehensive risk score breakthrough occurred when the critical valueis regarded as the next phase of the industry risk is expected to increase,on this basis provide regulators with a kind of monitoring method of P2 P network industry loan risk.On this basis,the regulation of the risk of P2 P lending platform in China put forward countermeasures and Suggestions,hoping to P2 P the risk to effectively control of the industry,to promote this new business model to healthy and sustainable development.