Risk Monitoring Of P2P Network Platform

With the growing of folk finance and Internet finance,the rapid development of P2P network lending provides convenience to individuals and small and medium-sized enterprises financing,and also plays an important role in areas such as the small and micro businesses financing,individual business loans and personal finance and investments.The fast development of the P2P lending,pattern variety,high degree of risk of derivative caused a wide attention cross-section of society.Due to the lack of clear domestic regulatory mechanism,the relatively perfect credit rating system and the corresponding laws and regulations,the development of the P2P lending platform seemed to be in disorder.The appearance of problem platform raises a discussion of the development of P2P,and how to monitor P2P lending risk is also on the agenda.Based on the object of P2P lending,this paper summarized the process of P2P,risk monitoring and other related research results at home and abroad.According to the different operating patterns classifying of P2P,the operation mode,interest rates,charging methods,the risk control mechanism were analyzed.The existing problems of Lending industry were separated as legal risk,credit risk,operational risk,market risk and liquidity risk.Take Jettisoned venture for example,the causes of these risks were researched.The concept of network lending is taken to illustrate that the P2P lending must be regulated strictly,and we analyze some foreign typical P2P network lending platform models.The risk of P2P network lending and the problems exposed currently in the process of operation are pointed out based on the domestic current situation of the P2P lending.Through analyzing different types of risk of the P2P lending platform in our country,at the same time,drawing on the experience of foreign P2P network lending supervision and the current domestic financial regulatory system,an advice which is suitable for domestic P2P network lending risk supervision system was put forward to control the risk of P2P lending platform in a certain extent.External risk in view of the source of risk,this paper puts forward for platform needs to strengthen the government supervision,the risk of internal need for platform construction of platform's own risk control system.Government regulation need to be clear from regulators,monitoring mode,formulate relevant laws and regulations,implement docking platform and credit reporting system and so on several aspects;Platform,the construction of the prevention and control system should consider strengthening the rating system,increasing the safety of the network environment,ready to risk margin,to improve the user's audit,etc.In combination with internal external causes,from several aspects,and finally promote the sustainable healthy development of the P2P industry.