Study On The Financial Risk Identification Of Lufax P2P Financial Services

In recent years,Internet banking is often seen in the eyes of everyone,P2P network lending platform quickly knocked to the market recognition.Lufax as a subsidiary of Ping An Group mainly to start P2P business,in March 2012 officially put into operation.By the end of 2016,China has become one of the largest network investment and financing platform,the development of its P2P business is worthy of recognition and reference.Based on the introduction of Lufax products,the operation mode of the analysis and the current financial risk analysis of the P2P platform,Lufax P2P platform and points out that the control of financial risk,including credit system,information transparency and financial risk management mechanism.Combining Lufax P2P business control financial risk management experience and problems put forward some suggestions.The first operation of the Lufax were analyzed,including the platform background,main products,in the role of the whole enterprise,business process,business model,profit model,risk control etc..Then Lufax P2P business analysis,including the group's operating advantages,business processes,such as the introduction of the main products.Then the financial risk on the Lufax P2P platform where the business process is analyzed respectively for the credit risk,capital risk,earnings risk and liquidity risk of four aspects of the analysis of the causes and recognition,Lufax P2P platform of financial risk is mainly due to the credit system is not perfect,the Internet and the financial industry information is fragmented,the registered capital of lack of trading volume is not enough to cover the fixed costs.And describes the Lufax P2P platform of financial risk management status and existing problems,such as incomplete credit information,credit evaluation results are poor,poor transparency,paid less than the increase in investment costs,etc..Finally,establish and perfect the risk early warning mechanism and credit rating mechanism,perfecting the information disclosure system and improve the transparency of information,to speed up the process,to guarantee cost control,strengthen the external cooperation and suggestion to the existing Lufax P2P platform in financial risk management problems,and put forward the prospects.