Research On Investment And Financing Risks And Prevention Of P2P Platform In Tongliao City Private Loan Service Center

In recent years,China's rapid development of the Internet,along with this new way of information,business model has also undergone tremendous changes,such as the famous Taobao,is the most cutting-edge is the most typical P2P business model,this traditional The real economy can also be online transactions,this change in China is an Internet revolution,this revolution not only to bring surprises to people,but also reform the commercial trading model.In addition to the great changes in traditional business,P2P model in the financial aspects of the impact is very large,the Chinese P2P network lending is to benefit from this Internet revolution.As a new way of investment and financing,P2P network borrowing represents the latest trend of modern financial Internet development,and it is also an inevitable requirement of social economic development to a certain extent.The effective risk management system is an important foundation for maintaining the survival and development of P2P network credit,as well as an important economic and social stability and development jobs.Therefore,the study of P2P network credit risk management has a certain novelty and important economic and social significance.This paper takes the risk management theory as the guide,takes the risk management system of P2P platform of Tongliao civil loan service center as the research object,adopts the file analysis method,the interview method and the on-the-spot observation method,the risk management and prevention of the main P2P network loan platform The risk management of Tongliao civil loan service center are: the irregular operation,the lack of specialization of risk management,the shortage of personnel construction,the lack of incentive mechanism,the imbalance of loan,the indirect market risk,and the lack of risk management.Credit management system is not perfect,credit rating is imperfect,overdue rate and bad debt rate.This paper analyzes the causes of these problems,puts forward a set of suitable for Tongliao City of civil lending service center solution.