Research On Risk Of P2P Network Lending From The Perspective Of Enterprise Operation

P2P(Peer-to-Peer)lending originated in Yunus,the Nobel peace prize winner,founded the Grameen Bank,the idea is to lend small idle funds together to people who need money or small micro enterprise,then gradually developed into a kind of money lending transactions via the Internet business model.The first P2P network lending enterprises in our country were in 2007,and after several years of development,we are now all over the country.However,our country is still not clear the regulators,and the social credit system is not sound,the risk of enterprise operation management and external environment of immature,makes the default of the borrower can not get effective control,increasing the risk of P2P lending industry.Starting from the perspective of enterprise operation,this paper respectively to clap to borrow,appropriate letter,pterosaurs loans,loans and everyone Liu Jin for research object,summarizes the domestic lending the four types of P2P network model,and then analysis of the operation mode of potential risks,through draw lessons from foreign mature experience,finally to put forward the optimal solution of risk control,the argument is analyzed emphatically in the process of industry representative of the appropriate letter in the aspect of risk control measures.The paper mainly divides into three main parts:first,the definition and theoretical foundation of P2P network lending,the development course and the scale of development of P2P lending.Then,combined with the typical enterprise case to expound the operation mode of the domestic lending to P2P network innovation,including the creditor's rights transfer mode and online mode and guarantee mode,Outlines its contains five types of potential risks:loan credit risk,liquidity risk,operational risk,market risk and technical risk,and comparison analysis;Finally,the analysis of the appropriate letter in the aspect of risk control measures,draw lessons from foreign mature risk management experience,according to the objective conditions in our country puts forward three Suggestions for the optimization of enterprise management,also for the whole industry supervision are proposed.This paper through the research that P2P lending domestic enterprises to overcome the disadvantages of the social credit system is not sound,innovation including creditor's rights transfer,the combination of online and introduce guarantee three kinds of operation mode can reduce part of the loan risk of default,but can not fundamentally solve the problem of risk,and will produce the high risk,liquidity and operational operational risk,market risk and technical risk does not change by a simple change of operation mode,must be comprehensive attaches great importance to the construction of risk control to the long-term development,the authors draw lessons from foreign mature risk management experience,puts forward three Suggestions for improvement:build a centralized headquarters of digital risk control department,the small dispersed risk control principle,and the data analysis way of risk control model is established..