Research On Credit Risk Management Of Yi Xin P2P Net Loan Platform

Internet banking in China in the years of explosive growth trend,it brings not only the change of thinking mode,but also a change and subversion of the traditional model of the industry.P2P net loan is the core component of the Internet banking,reflecting a non media,cross regional,break the space and the threshold limit of the capital financing,Is the history of the traditional capital market impact of the largest wave of the industry,Let the traditional financial institutions to rethink how to transform and closer to the market and user needs,Create a user centered financial services industry operation mode.Therefore,the healthy development of China's industry has many levels of role,need to guide and support.But in the last two years of P2P net loan brutal expansion of the past two years,the lack of regulation,risk and malpractice gradually exposed,affecting the healthy development of the industry and reputation,The outbreak of the risk so that the industry was aware of the opportunities and challenges facing the P2P net loan,How to prevent and manage the risks that have been exposed is an urgent task.This article through the research history,the industry risk,draws lessons from the domestic and foreign outstanding P2P net loan enterprise risk management experience,Combined with the actual situation in our country to the land of gold as the object of study,the cooperation between the summary of corporate risk management advantages and disadvantages,respectively from the company self-discipline,industry and supervisors on three different angles of P2P network lending industry put forward some reasonable risk prevention and management recommendations.Hope to provide some basic research support for the development of China's P2P net loan business.