| The prediction of operational risk factors is one of the important research topics in the financial field.The dilemma risk of a company’s operation is related to both the strategy formulation of the company and the investment sentiment of the investor indirectly.Therefore,the correct prediction of the operational risk factors has important practical significance.Network lending platform steps into a difficult business process is a gradual process.The problem of the company’s business problems deteriorate to financial problems and run off.This paper attempts to use the network lending platform operating data and cite logistic model in order to increase the attention of network lending platform operators to business risk and the attention of the investors to the investment risk.By researching the network lending platform is to reduce the business risk of the platform operators and provide the advice for the platform investors to identify operational risks.The risk factors are analyzed in turn.This paper puts forward some corresponding solutions,which can provide reference for the participants and supervisors.The network lending platform in China could make the network lending platform play its credit intermediary role.Its can promote healthy and stable development of network lending platform industry,add support to the development of the real economy,the framework of this paper is as follows:Firstly,analyzing the development process of the network lending platform at domestic and abroad and the risks faced,we can pave the way for the research of the network lending platform risk factors.The paper focuses on the specific situation and risk factors of network lending industry at home and aborad,especially in Zhejiang Province.It analyzes the status quo of network lending platform in China and analyzes the operational risk factors of network lending platform.Secondly,the paper focus on the scope of network lending platform for business risk in Zhejiang Province,selects the 306 network lending platforms for the sample;the paper focus on collecting samples within the scope of network lending platform for ten variables,analyzes of independent variables on the network;the binary logistic model is introduced to analyze the influence variables of the risk factors of the network lending platform.Thirdly,according to the results of the binary Logistic model,it is concluded that the normal operation of the network lending platform is related to the platformcharacteristic,such as fund custody,creditor’s right transfer,risk reserve,yield less than15%,collateral pledged product;The platform has a suretyship guaranty products or a credit products.it’s a negative correlation;The network lending platform for normal operation characteristic has nothing to do with regional,shareholder background,investment period,the size of the company.Lending to the analysis of network platform management risk factors at the same time,the paper put forward the government’s ruegulatory policy Suggestiones.The sueggestiones are as follow.Firs,lending to build a network platform risk reserve;Second,lending to build a network platform fund custody;Third,establish a network lending platform property insurance;Fourth,set up the mandatory information disclosure mechanism.Finally,the paper points out the shortcomings and the development trend of network lending platform is predicted.The innovation of this paper reference on the previous papers.By the way of analyzing the operation of the Zhejiang Province’s network lending platform on the company’s operating risk factors.The paper uses the Zhejiang province’s network lending platform 10 groups of variable data for the empirical model. |
