Research On The Risk And Control Of P2P Net Loan Platform Company In China

2005 P2P network lending platform has in the United Kingdom and the United States emerged,such as Zopa,prosper and lending club,through the network platform as the intermediary lending without mortgage and guarantee,let need funds to find willing to lend money to people through the P2P platform platform,collect service fees as a source of profit.Domestic P2P network lending platform in 2006 to follow the beginning of Europe and the United States,drawing on foreign P2P based and there are many innovative business model.But in Chinese society,the credit system construction is not sound and P2P mixed development of the industry and need to establish a set of solutions for the comprehensive and effective control of the risk.At the same time,supplemented by effective government regulation and industry self-regulation,in order to promote P2P industry sustainable and healthy development,become a useful supplement to the formal financial system.The domestic P2P network lending platform of risk analysis and control as the research object,first of all,for P2P net lending and background of the financial risk,common in the financial risk analysis and control theory and method are introduced in this paper,as the research provides theoretical basis and methods of;second,carries on the analysis to the current situation of the development of the P2P network loan,on the existence of the risk of description;again,this paper's research method,and the use of game theory,for P2P platform for the company's risk for quantitative evaluation.Finally,according to evaluation results and risks and anti fan experience,to the P2P platform,the company's risk control proposed corresponding suggestions.Combined with the case of A network lending company,from the platform of risk prevention measures were discussed,and the government on the P2P network lending regulatory measures are introduced.In the course of the study.In this paper,the comparative analysis,qualitative analysis and quantitative analysis method,carries on the elaboration from micro to macro,etc.,I hope to have certain reference value for platform operators or financial regulators.