| In recent years,the central government attaches great importance to the use of the Internet technology development of rural finance,2017 central document referred to encourage financial institutions to use the Internet technology actively once more,providing small business loans for agricultural operators,payment and settlement and other financial services.However,due to China's long-term economic development is not balanced,the economic environment in rural areas is poor,there are many problems in rural finance,leading to long-term financial needs of rural areas can not be met.under this background,the rural financial market has become the important area of the P2 P network platform to expand the business loan.However,the loan mode of agriculture P2 P network is still in the exploratory stage of development,coupled with the "three rural" loans demanding for small scattered,lacking of effective collateral,the credit foundation of rural areas is weak,it exists many loopholes in preventing potential risks,the risk of agriculture related to loans P2 P network platform gradually attracted widely attention of related specialists.This article through to include rural financial business 335(by the end of 2016)P2P network credit platform for research found that agricultural P2 P network platform integrated yield is lower than the industry average,and the average loan term is longer than the industry average,which virtually increased the operational risk.Finding the domestic agricultural P2 P platform risk prevention and control in the literature is relatively small by reviewing literature,In particular,the lack of systematic empirical research.So on the basis of relevant literature,first of all,summed up the current agricultural P2 P platform operation mode are mainly represented by pterosaurs credit mode of franchisees and represented by has to borrow two kinds of public welfare model,secondly analyses the agricultural risk problems in P2 P platform,including network technology risk,business risk management problems,and risk issues of laws and regulations.Investors at the same time,in order to make the relevant supervisory authority platform and its risk control department can accurately understand and analysis platform regularly publish data index,In this paper,11 indexes are selected and divided into the following four dimensions: the platform's comprehensive strength,the characteristics of the target information,the ability of risk control and the level of governance,Uses the monthly panel data in 2016,using the binary choice Probit and Logit model of 194 sample platform are risk factors affecting the empirical analysis,Empirical study results show that only the characteristic dimension of the underlying information platform integrated rate is proportional to the risk probability of occurrence,the rest of the various dimensions of 10 variables are negatively related with risk probability.According to the above analysis,respectively,according to government and platform itself put forward the relevant countermeasures to prevent risks,the government side,First,it is a perfect agricultural P2 P network platform loan regulations,build the network financial legal supervision system,Second,we will improve agricultural P2 P platform risk prevention mechanism,Third,it is to promote rural construction of Internet information technology,Fourth,it is to speed up the construction of Internet financial reporting system in rural areas,Fifth,it is to build a P2 P industry self-discipline,standard platform access exit mechanism,improve the platform information transparency,Platform for their own side,First,it is to strictly control the quality of employees,the protection of information security platform,Second,it is the introduction of the guarantee system,the prevention and control of liquidity risk,Third,it is to regularly publish information,improve the transparency of the platform,Fourth,it is to improve the internal control procedure,perfecting the credit evaluation system. |
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