Risk Control Of P2P Network Lending Industry In China

Along with the development of the Internet,the Internet finance is becoming more and more popular and develops rapidly.P2 P network lending platform,as an important part of the concept of the Internet finance,has been booming massively.P2 P network lending platform is an Internet service in the form of a new financial lending combined with financial lending.However,with the mushroom of the P2 P network lending platform,more and more problems appear.The problem about how to strengthen the ability of risk control and protect the interests of investors has become urgent.In this paper,we hope to explore the risk control of network lending industry,identify problems and deficiencies in the industry,and give their own suggestions and opinions on this basis.In order to achieve this goal,this paper will follow the following ideas to complete some of the following research.First of all,we will introduce the concept of Internet finance,and the definition of the P2 P network lending industry,describe the origin and development of its development process.After this part,we have carried on a more comprehensive introduction,and a summary of the background of the P2 P network lending industry in our country.The introduction and analysis of the risk type and risk control methods of P2 P network lending industry is the key point of this paper.In this part,we mainly analysis the types of P2 P network lending industry risk and risk control methods.After this part,we will carry on case study about the typical platforms.On the basis of the above analysis,we will draw existing some personal credit and risk management mode,combined with the current status of our P2 P network lending platform,for risk assessment and risk control,and puts forward some optimization ideas.Through the analytic hierarchy process(AHP),a simple model is set up to test the adaptability of our ideas.