Research On Risk Management Of DDB Financial Platform Under The Background Of Internet Finance

With the development of information technology,the old folk loan financing with the support of information technology developed P2 P lending model,as a new model of financial innovation,P2 P network lending platform,attracted the attention of the whole society,greatly alleviate the many small and micro enterprises financing problems.But in the context of today's Internet banking,risk management and prevention and control of network lending platform is still in the blank stage,and its related risk issues gradually began to show.This article first gives an overview of the P2 P network lending platform of Internet financial environment,the financial characteristics of the Internet,P2 P network lending platform concept,characteristic,operation mode and current situation,and then introduces the concept of risk management,network lending platform risk classification and risk management strategy.Combined with the specific DDB financial platform as an example,introduced the DDB financial platform establishment,operation principle and operation process,analyzes the financial products and risk management system of DDB platform,DDB platform at the end of the financial year 2015 transaction data are analyzed.Based on the DDB financial platform introduction,This article analyze the risks existing in the four aspects of legal,management,credit,security technology DDB financial platform for the actual operation of the process,and analyze the causes of the risk from the internal control system,risk management professionals,asymmetric information,credit rating standards and credit system in four aspects.Finally,from the improvement of the internal control system,strengthen the ability of risk self-restraint,the establishment of risk prevention and control credit system,the establishment of regional development model four aspects of the proposed countermeasures and suggestions.