The Risk Control Model Research On P2P Network-lending Platform In China

As a branch of emerging finance,P2 P network-lending industry from entering the Chinese market that is subject to the number of concerns,the number of network-lending platform to complete the spurt of growth.Because foreign countries have perfect credit information system,strong data-based risk control capability and strong government supervision or industry self-discipline system,the number of foreign network loan platform is small but the degree of risk control is relatively high,the development of the platform is relatively rapid,stable.As the domestic market in the early stages,the government take the "three noes" of the regulatory strategy of the development of network-lending industry,the rapid growth in the number of platforms at the same time,the platform is also frequently exposed.The existence of the problem platform not only may damage the interests of investors,but also may affect the stability of the local financial environment.Therefore,whether the network-lending platform for effective risk control for the stable development of the platform is particularly important.First,this paper selects Zopa and LendingClub as the comparison platform,and analyzes the characteristics and reasons of the risk control of the foreign network-lending platform from the aspects of the operation mode and the measures of risk control,and compares the similarities and differences of the two typical platforms,and analysis present situation and development trend of successful platform.Secondly,this paper chooses the domestic typical platform as the case of pleasant loan,and constructs the domestic risk control mode-O2 O model,combined with the domestic development environment and the economic status,large data and other single control measures.Taking the perspective of operation process and analyzing the risk points and risk control measures of the case platform in a phased manner.The risk points of the platform before,during and after the loan are combined with the on-line and off-line measures,and the risk control measures of the platform are studied and gave effective suggestions and countermeasure.Finally,this paper puts forward some countermeasures and suggestions from external environment and internal factors.Through the O2 O model of network-lending platform analysis,we can draw the following three conclusions.First,the network loan platform should be based on their own development and continuous improvement of business processes,and in accordance with the process to design targeted,sound risk control measures,making the risk control measures effective.Second,it is not enough that the network platform to set up a single platform or afew risk control measures to spread,avoid and transfer risk,the platform should be based on their own processes to establish appropriate risk control measures,making the risk control measures interlocking and making comprehensive response from all aspects of the risk.Third,the network loan platform to continuously improve the convergence of online and offline,regular information sharing and feedback,try to avoid the waste of operating costs and information wrong ratio,so consistent from top to bottom,effective coordination and timely feedback.