The Risk And The Management Of P2P Network Lending

Meaning P2P(Peer-to-Peer)network lending platform is qualified as an intermediary,usually belong to the third-party Internet model,individuals can make lending and borrowing of funds by funding people choose borrowers through competitive bidding,borrowers are made available to borrowers labeled.Since 2007,P2 P network lending platform rise in the Chinese market widespread,and expand rapidly in 2013.Just because of its explosive growth,more and more deficiencies and shortcomings come out slowly,if you want the new internet finance model keep working,it is necessary for such risk management oversight.This article mainly develop a P2 P platform to adapt to China's national conditions by comparing P2 P operation mode between domestic and foreign,with reference to the current reality of the domestic situation,This article includes six sections.The first part is the introduction,mainly on P2 P background,significance,aims to explain the policy to take,advantages and drawbacks.The second part is the theoretical analysis.It focuses on the meaning and features of the network lending.Meanwhile,we research the background,significance and rules of P2 P generated.The third part is the introduction of regulatory approach for P2 P network lending in other countries,focusing on the two models commonly used abroad currently,including Zopa and Lending Club mode.Basic situation and risk management of these two types is the core content.The fourth part research the application link of P2 P network-lending platform in our country,with reference to the risks involved in each division to expand the principal contradiction for Chinese P2 P network lending and the reasons for the emergence of the contradictions.The fifth part research and develop a systematic risk regulatory approach based on two kinds of risk: the specific risk and the basic risk,and summed up an abundant risk management systems.The sixth chapter is a summary of the above content and prospects.The paper applied to a method comprising: the case analysis,the comparative analysis,the literature analysis,the theoretical analysis,and so on.Give out a scientific risk management system for P2 P network lending adapts to China's nationalconditions.Significance of this paper is to analyze the new P2 P network-lending platform,to establish a scientific risk management system,which is very important for recently P2 P market management,and the further development of the platform.