| Peer-to-Peer Lending, is the financial intermediary service realizing the financing,also is a third-party platform for meeting people's borrowing needs. It has many advantages, for example, peer-to-peer, convenience, fast financing, which ease the plight of China's SME financing, and promote a more equitable distribution of social capital. It is a useful supplement to our traditional financial system. Although the development of P2 P lending market demand is an inevitable trend, blank P2 P law and lack of supervision make P2P's future perilous.Whether it is the beginning of time to the Agricultural Bank of China closed network lending platform interface or later the insurance industry in general refused to cooperate network lending platform, coupled with the convening of the Conference of the Internet, the development trend of China's online lending platform becomes unstable, uncertain, investors attitude toward the poles of the industry development.Therefore, for investors, P2 P plat forms, and even the entire financial system,establish a reasonable P2 P risk control mechanisms for effective risk assessment and control becomes crucial.Based on the financial risk management theory and AHP, this paper evaluated the main risks of P2 P platforms qualitatively and quantitatively, and conducted an empirical analysis on fifteen P2 P platforms' data in 2014. Fifteen P2 P platforms exits six main risks, based on which this paper established the index evaluation system,then evaluated P2 P platforms' risk prevention and control.Finally, based on the results of 15 total net loan platform of risk analysis, risk prevention and control at home and abroad to do a good platform to be analyzed in accordance with the idea financial management theories and methods of financial control law, combined with their experience from internships at the bank platform macro regulation and internal perspectives of how reasonable risk prevention and control platform put forward ideas and suggestions. |
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