Research On Internal Risk Assessment Of P2P Lending Platform

P2P lending is "Peer to Peer Lending", which is called "Renren Loan" by the China Banking Regulatory Commission. It does not rely on traditional financial institutions, but realizes direct transactions between borrowers and lenders through the Internet platform.Professor Yunus founded the "Village Bank" in Bangladesh. 2016 is the ninth year of the development of P2P lending, experienced the rapid growth of the industry, to the current loan-to-loan ratio of the entire industry has been achieved from zero to one trillion leap.The lack of supervision of P2P lending in China, combined with the social credit system is not perfect, the lack of credit risk prevention of borrowers and borrowing platform for internal control of risk control system.This paper mainly investigates the following parts: The first part will describe the development status of China's P2P lending and the operation mode of China's P2P lending.The second part are going to focus on the domestic and foreign P2P network loan risk assessment methods and the comparison of China's P2P lending platform for risk assessment of the existing problems. The third part will pay attention on the optimization of the risk assessment method of the P2P lending platform and the construction of the risk evaluation system of the loan platform. The focal point of the study is to evaluate the risk evaluation of P2P lending platform based on factor analysis model. At last, this paper puts forward some countermeasures and suggestions on the risk control of P2P lending platform.This paper analyzes the present situation of the development of P2P loan in China, and analyzes the main operation mode of the current network loan in our country at the same time. Then, the risk assessment methods of lending at home and abroad are sorted out, and the disadvantages of the risk assessment of lending platform are pointed out through comparative research. At last, the paper points out the optimization method of risk assessment method, and puts forward the construction of perfect risk evaluation system of lending platform. The emphasis of the study is to evaluate the risk evaluation of P2P lending platform based on factor analysis and construction model, and propose countermeasures and suggestions.