Platform For P2P Lending Financial Risk Prevention And Control Research

With the flourish of Internet finance,peer-to-peer lending arises at the historic moment.In recent years,China's network lending industry entered the stage of rapid development,P2P lending volume and turnout reached new highs,a long-awaited industry self-discipline association,China association of Internet financial set up,the network credit information intermediary business management interim measures "is finally fall to the ground,since then,network is now lending industry towards standardization in our country.But hiding behind a prosperous sight still many risks,the platform run,closed events occur,the emergence of the problem platform not only make investors suffered heavy losses,also caused panic network lending industry,is not conducive to the healthy and sustainable development of P2P lending platform,is not conducive to social stability and harmony.Platform which caused the problem in many reasons,the public universal mainly includes:the risk of default by the borrower to credit risk,platform,violate compasses operation caused by moral hazard and legal risks caused by poor regulation of the country,but because of the platform itself,as a result of the financial difficulties faced by financial risks are often overlooked.Proceed from the Angle of microscopic analysis,therefore,P2P network platform lending financial management structure,evaluate its financial risk and identify the corresponding prevention and control measures,can be combined with macro risk prevention and control,to better cope with the risk of lending to P2P network platform management issues.By means of literature research,comparative analysis and theory combined with empirical analysis and other research methods,the P2P lending platform of capital,asset quality,risk,liquidity risk and risk of profit model is analyzed,and the specific divided into dispersion,actually paid capital leverage,overdue rate,whether storage pool and term mismatch of many index is analyzed,and puts forward the corresponding one-to-one financial risk prevention and control measures,such as adhering to the principle of small scattered,avoid open standard and set up its own capital pool,ensure the actually paid capital,and business matching ratio,the bank depository system.By bring platform of the dangers of financial risk,actively recognize and respond to financial risk,to the healthy development of the P2P lending industry in our country.