The Study Of The Risk Control System Of P2P Network Lending Of Lu Jin Suo

P2P network lending is a kind of borrowing way through the Internet and the financial combination of financial industry has become a new situation in this era of financial network to create numerous precedents.P2P network borrowing to meet the need to invest in the lack of funds,or the lack of funds but the lack of investment direction of people's needs,in line with the asset management environment,economic development trends.P2P network credit in China since 2007,access to the rapid development,but behind the pace of development is bound to expose a lot of P2P network credit itself,the existence of the problem.As the Chinese government encourages and supports innovation,in order to encourage the innovation and development of the financial industry,the P2P loan platform has not yet issued a clear access and exit mechanism and the corresponding regulatory legal system.Due to the lack of legal supervision system and the immaturity of the risk control system so that many platforms Paolu or collapse of the endless stream of events,the entire P2P industry has gradually become a black zone.In this context,this paper mainly studies the risk control system of P2P network reception platform with the example of Lu Jin Suo,which is well developed in China's P2P network lending platform.By carefully sorting out and summarizing the reasons of the outbreak time of P2P platform in China in recent years,the main risk of the development of P2P platform in China is analyzed.On the basis of the research on the development of P2P and the flaw of the risk control system,this paper puts forward some systematic suggestions on the risk control of P2P network borrowing platform in China considering the current financial supervision environment.In the process of establishing the risk control system of P2P network loan platform in our country,this paper puts forward the construction strategy from the internal and external aspects of the construction of the risk control system of Lu Jin.The internal risk control system construction process combines the eight elements of the COSO comprehensive risk management theory with the characteristics of the P2P network loan industry to establish a perfect internal risk management system.In the external control,the main reference to the more mature banking industry "three in one" Mode,through efficient resources to achieve P2P network lending process of risk transfer.