| P2P network lending,that is,individuals borrow money from individuals through the Internet,is a new form of lending that combines Internet technology and private micro credit.This lending model can solve the current small and micro enterprises,individual merchants financing problems,but also to meet investors in the current weak housing market and weak investment in the stock market background,the demand for diversification of investment.Compared with the commercial bank lending,loan companies,private lending platform,P2 P net loan has certain characteristics,including the loan process is convenient,the efficiency is high;the service object is very broad;decentralized investment,low credit risk;interest rate marketization degree is high.As China's inadequate legal supervision and imperfect social information system,coupled with the relative backwardness of P2 P industry risk management technology,there are serious risks in the P2 P network lending industry in china.P2 P net loan has a series of risks,such as repayment risk,guarantee risk associated with the transaction,the borrower Piandai risk,fraud risk,operational risk platform platform and so on,these risks may lead to capital chain rupture.In addition,the main problems of China's P2 P net loan operations:the information is not public,liquidity worries;part of the platform,since the financial fraud,deception by the lender;development of small loans to large financing mode,the risk of default;the lack of talent and the risk quantification tools,risk management ability etc..This paper takes Lending Club as an example of the detailed comparison platform borrower risk control and typical of China's P2 P network lending platform,the melting point of the network and e rent treasure risk management control,risk management,loan lending from the borrower before and after borrowing compared to finding out the problems and propose solutions and network security and the line of business,the proportion of system construction. |
PDF Full Text Request