Research On Risk Management Of Peer-to-Peer Lending Platforms

With the rapid development of the Internet,economic and financial reform Economic and financial reform using the Internet channel,transformation and upgrading.Among them,P2 P network borrowing as the representative of the innovative Internet financial development model in the country if the cloth star Chen-like emerged.P2 P lending platform for the rise of investors and borrowers to set up a direct trading channel,and compared to commercial banks and private lending,there is a comparable victory.However,although the P2 P lending platform has gradually shifted from the beginning of the barbaric growth to the development of compliance,but in the P2 P network lending growing norms at the same time,there are still potential risks and many hidden dangers.From the Bell venture "on suspicion of fraud by the public security organs for investigation,to 2015," e rent treasure " incident of the big exposure,the face of such a situation,how to improve the norms of P2 P network lending platform risk Management is called the current economic and financial reform in the top priority.Based on the analysis of the current situation and problems of P2 P network lending platform risk management,this paper takes Lufax as an example,and puts forward some suggestions on how to strengthen the risk management of P2 P net loan platform.Of the development process,the study of China's network lending platform P2 P characteristics and mode of operation,summarizes the current situation of the P2 P network lending platform of risk management,combined with case analysis,pointed out that the P2 P platform in the development process of the face of rigid payment risk,operation and IT risk,legal and regulatory risks.According to the existing platform funds unaccounted for and lack of effective supervision,information transparency and other problems,put forward the following five suggestions of risk management,including docking perfect personal credit certification system,and the central bank credit system;the integration of business cluster,strengthen the borrower qualification;standard guarantee funds and managed services;clear information disclosure standards,in accordance with the criminal law responsibility;and to explore a new model of P2 P platform development.