The Research On The Overdue Risk Control Of H Agricultural P2P Company

P2P industry in recent years has become a hot industry,starting from 2014 to engage in the number of enterprises in this industry has been a rapid growth in the rapid growth behind,also caused a lot of problems,the main problem is the problem platform run away.Among the factors that cause the problem platform to run,the borrower overdue is one of the major risk factors.H Agricultural P2P is a start-up company,the company platform is not established long,longing for long-term stability of the development,the borrower overdue risk is H agricultural P2P companies need to control the main risk.This paper will start the research on the overdue risk control of the borrower of H agricultural P2P company.On the basis of the existing literature and related theories,this paper analyzes and resolves the following two aspects:First,the borrowing of H agricultural P2P company from outside the company And the internal two angles of the analysis,to answer "lead to H agricultural P2P company borrowers overdue risk of what are the main factors?" Second,for these factors,develop risk control program,answer"how to reduce the H agricultural peasant borrowers overdue risk?".This study found that H agricultural P2P company borrowers overdue by H company external P2P industry environment,the borrower factors,H company internal wind control approval business process design flaws in these aspects of the impact.For internal and external causes,design risk control program,reduce the borrower overdue risk.This paper has the following two research values:First,the factors that lead to the overdue risk of the borrower of H agricultural P2P are discussed.The corresponding risk control scheme is formulated for these factors,and some suggestions on the control of risk in the late loan of H company significance.Second,because of the discussion of the agricultural industry borrowers overdue risk,which in the industry engaged in agricultural micro-credit P2P platform provides a certain reference value.