P2P Network Loan Risk Management And Control Analysis Based On Internet Environment

P2P is the " Ren Ren Dai ",is a new type of credit mode based on the internet as a third party,and also an extension of the private lending model.The P2 P platform plays the role of " intermediary platform ".On the platform,the lender can provide the loan amount to the lender by issuing the required loan mark,and taking the form of fair bidding between the investor and the lender.P2 P lending is in essence a private financing model,its main borrowers are individuals,in addition to meet people's financial needs,can also provide personal loan services for the borrowers,and the model does not violate the banking regulatory requirements of the information intermediary.So its value has been recognized by the industry and foreign people.At present,the development rate of P2 P lending industry is obvious in the social and economic support,but the risk of P2 P network is increasing,a large number of fraud platforms,P2 P network risk badly need to be resolved,because the platform usually manages a large number of assets,and these assets mostly have " high risk" characteristics,which is affected by the rapid expansion of the platform,the number of P2 P lending enterprises increased year by year,followed by " flee tide" also become more prominent.The reason,mainly due to the domestic network in the field of " low threshold" problem,although the diversification of P2 P network mode,but the lack of regulatory work,combined with the platform qualification has the " a motley crowd" problem,so as to the problem frequency.The establishment of risk management awareness and the continuous improvement,the security of its own development has become a consensus of many P2 P lending companies.This paper mainly studies the risk management of a company.In this paper,literature analysis,case analysis,theoretical research methods,field investigation and other methods,first P2 P network risk control of transaction costs,comprehensive risk control and information asymmetry and other professional theories are described.Then,taking A company as an example,this paper introduces the basic information and risk control situation,analyzes the problems existing in therisk management of A company,and puts forward some suggestions and measures.To improve employee risk education from the establishment of A complete and comprehensive risk management concept;Carry out accurate positioning of the customer object,and vigorously promote the HP financial project;Reasonable use of big data analysis,to achieve the supply chain financial control and so on.The innovation of this paper is to use technical means,especially big data concept to improve the risk management level of A company,combined with industry characteristics and the actual situation of enterprises,with the gradual promulgation of supervision rules,this has a certain practical and theoretical significance to the development of a company and industry.