Study On The Reasons And Countermeasures Of The Risk Of P2P Network Lending Platform

Author on the risk management theory as a guide,the risk of the operation of our P2P network financing platform as the research subject,with literature analysis method and case study method,inquires into P2P lending risk overall.The author sums up the credit risk of P2P network in our country as operation risk,credit risk and reputation risk,operation risk,liquidity risk,information and technology risk.After determining the type of risk,the author further explores the internal and external causes of risk formation.In the analysis based on the P2P network lending risk types and causes,the author on how to prevent the risks are described,mainly including four aspects:first,from a legal point of view,confirmed the nature of P2P network lending,and by building a more perfect laws and regulations on the P2P network lending behavior implementation supervision,especially shall formulate a more comprehensive,more has guiding significance of "network lending platform management approach".Second,construct the three-dimensional P2P network lending regulatory mechanism,regulatory body shall include third party website authentication mechanism,a third party custodian of funds,the third party credit rating agencies,third-party guarantee agencies and third-party portals.Third,improve the social individual credit system construction,to provide more abundant and accurate information for the P2P network lending.Currently is not only P2P network lending,many other industries are also on the construction of social credit system requirements,and therefore should be in accordance with the provisions of the law of our country,the construction of personal credit system.At the same time,it also provides an effective way to access the public personal credit report for the P2P network lending platform.Fourth,regulate the internal management of P2P network lending platform,that is,to create a good environment for risk prevention and control in the platform,to risk management as a guide to optimize the organizational structure of the platform,to achieve internal risk prevention and control,etc..P2P network lending platform is the biggest problem is difficult to control the credit risk,and thus prone to crisis management,so the selection and application of the technology of risk management is P2P network lending platform to achieve sustained and stable development of the key.Especially in the current economy under the background of the new normal,need more combined with China’s national conditions to find consistent with the P2P network lending platform operation and development of risk prevention and control technology,in order to achieve tight management of risk,to provide protection for the growth of the P2P network lending platform.P2P is a new,shorter development time of financial intermediary platform,due to the short running time,experience is limited,so risk control ability is poor,and the research for P2P network lending platform to better cope with risks.