Study On The Risk Management Of Eloan Lending Platform

P2P network lending platform refers to the integration of Internet technology for individuals to individuals(Person To Person)lending.China's first P2P platform on the line in 2007,followed by other domestic platforms have followed suit.At the beginning of the birth of the P2P platform,walking on the edge of the legal,controversial,has been seeking the support and protection of the authority.before 2013,P2P industry development is relatively rapid and low-key.In May 2013,CCTV reported a positive P2P lending platform for the first time.The report has passed a signal to the public and the P2P industry that the country will not prohibit the P2P industry.From 2014 to 2015,P2P industry ushered in explosive growth.Because of the absence of regulation,many platforms had collapsed and disappeared.In August 2016,the "Interim Measures business management information network lending agency" issued,in October the State Council issued the "Internet financial risk special rectification work plan",the introduction of such intensive regulation,indicates that the P2P industry will usher in the history of the most stringent regulatory year,P2P will move towards a more standardized direction.This paper selects the Eloan lending platform P2P network in the industry as the research object,mainly discusses the risk management of lending platform,in order to provide reference for the healthy development of P2P lending platform.This article mainly uses the literature research method,the comparative research method and the interview survey method and so on.The article is divided into four parts to elaborate,starting with the concept of P2P network lending,expounds the theory of network lending.Then introduces the pterosaur loan business process,profit model and risk management situation,and use the COSO framework of the pterosaur loan risk management system analysis.In the risk identification,the risk identification of the pterosaur loan from two aspects of external and internal,and evaluated by using PI matrix.According to the results of risk analysis,combined with the current platform pterosaur credit risk control methods,put forward the risk optimization measures and preventive measures.Through the study found that the overall level of risk control,pterosaurs loan is higher,but there are still high borrowing rates and due diligence process needs to be optimized and other risks.The conclusion,use pterosaurs and other platform targeted actions.