Research Of P2P Network Loan Platform Risk Management In China

With the development of Internet technology and financial innovation,P2 P network lending is an important part of China’s Internet banking.P2 P network lending in optimizing the allocation of social funds,and promote the interest rate market and inclusive financial aspects show a positive role,but because of China Internet financial supervision system is not yet mature,P2 P net loan platform is subject to the overall operation of the information asymmetry,not standardized and capital management and risk management defects and other reasons,lead to financial risks frequent.Based on this,we take "Wangyingtianxia" platform collapse case as the analysis object,explores the question which exists in the Chinese P2 P profession risk management."Wangyingtianxia" is China’s P2 P net loan platform failure in the case of self financing and illegal fund-raising typical case,while "Wangyingtianxia" is a super short term operation of a special case.So the "Wangyingtianxia" case analysis as the basis,to analyze the main disadvantages of risk management Chinese in the P2 P industry,and draw inspiration from,provide a reference for the present stage China platform P2 P net loan risk management.Specifically,we firstly based on the relevant literature on the analysis of the risk P2 P net loan platform,and the basic procedures of P2 P net loan platform risk management from four aspects of the risk warning,risk identification,risk assessment and risk response,and then introduces the three main methods of risk management;secondly,we conducted a detailed analysis on the "Wangyingtianxia" bankruptcy case,the whole process including the creation,development and collapse of the platform,and based on the analysis of the "Wangyingtianxia" net loan platform are self financing,short-term financing and internal characteristics of false information;thirdly,we use "Wangyingtianxia" exists in the process of business development and operational risk,credit risk,operational risk and market risk,further analyzes the main network to "Wangyingtianxia" P2 P net loan platform of risk management.And the problems include: lack of reasonable basis,risk pricing and risk warning mechanism,risk management deficiencies,venture capital management system is notperfect and the risk information is not true and transparent.Finally,according to the case of "Wangyingtianxia",we put forward some countermeasures and suggestions of risk management Chinese P2 P platform from building the reasonable P2 P net loan platform structure,consummating complete external supervision,structuring good personal credit system and sounding internal risk control mechanism of the construction.