A Research On The Risk Assessment And Supervision Of Peer-to-peer Network Lending

Since 2014,the Internet finance was written into the government work report,reflecting the government’s attention to the rapid development of financial innovation.At the same time,from the government work report,we also see that the healthy development of the Internet finance in 2014 and 2015 has changed to standardize the development of Internet finance in 2016,which reflects the government has more rational view of the Internet financial industry,Internet finance is facing the challenge of scientific development.As an important part of Internet banking,P2 P has also exposed some problems and risks after barbaric growth of several years,especially security risks of Investor funds.Illegal fund-raising and running away happen frequently,which fully reflects that the risk control of platform is weak,and industry supervision is inadequate.On the basis of the present situation and the operation mode of the P2 P industry development,this article has combined with the theory of financial risk management,and analysis the explicit and hidden risks behind the explosive growth of the platform,such as credit risk,operational risk,and liquidity risk.The article reveals the deep reason of bad management.It selects indicators related to development and risk of platform,such as the ratio of risk and reward,overdue rate,loan concentration,and uncollected lever,and constructs a set of P2 P risk-evaluating index system including the main content of credit risk,operational risk,and liquidity risk.Then it selects 10 companies out of the house of net credit platform for P2 P data to carry on the empirical analysis,and concluded the development rank of the 10 P2 P platforms to provide a reference for inventors.At the same time,the article analyzes the results,researches how to strengthen risk control of the platform,and improves the level of rating to promote the platform developing.Finally,according to the new requirements for the P2 P platform of《Interim Measures for the Administration of the Business Activities of Online Lending Information Intermediary Institutions》,the article puts forward the proposal for controlling risk from the aspects such as the inventors,borrowers,P2 P platform and industry regulation in order to promote the steady development of the P2P industry.