The Risk Analysis Of P2P Network Lending Based On Investors

P2P lending network that is peer lending,is an investor and the borrower(to-many,or many-to-one)loan agreement reached in the network platform,and with the completion of loan repayment patterns on the network.P2P networks can mobilize idle funds lending community is an effective use of social capital,as a useful complement to traditional finance in small and micro businesses and individuals to solve the financing difficulties,has a positive social significance.In recent years,P2P lending network in full swing in China's development,from 2007 to now only a platform for the development of about 4000 platform,the development of which is quite unpleasant.But the rapid development of P2P network lending industry has also led to their risk-prone,showing the number of P2P platform issues have also been a surge,and growing faster.Now China has more than 1,700 internet problem,accounting for about one-third,which gave many investors caused great losses undermined investor confidence in this industry,the impact of the sound development of the health sector.Combining research status at home and abroad on the P2P network P2P network lending and borrowing,through the use of literature research and comparative analysis,respectively,from the investor point of P2P network lending and other investment banking,P2P network lending business model and P2P network lending platform issues with the normal operation of the platform three comparative analysis of risk,and research to explore various types of risk faced by P2P network lending combined with the latest trends in net loan platform of the reason the industry produced risks,combined with the actual Investors and conditions proposed platform how risk identification,risk assessment and risk control.Through the improvement of the credit system,strengthening national regulatory and P2P platform to enhance risk control aspects of their ability to reduce the risk as much as possible in the P2P network lending investors,while investors should be aware of their risk,many of the P2P network lending risk points for analysis,seeking to meet their own level of risk investment products.Finally,the P2P network lending latest policy interpretation,optimistic about the future prospects of P2P network lending industry.