P2P Lending Platform Risk Warning Study Base On The Third-party Evaluation Institution

The P2P lending industry is developing rapidly in recent years.The number of P2P lending platform was 5877 at the end of 2016 from 12 in 2010,and the trading volume of P2P lending was 2.0639 trillion yuan in 2016 from 600 million yuan in 2010.Meanwhile the loan balance was 816.2 billion yuan in 2016.With the rapid developing of P2P lending industry,the risk is becoming more and more serious.About one thousand,40% of the P2P lending platform was in trouble in 2015.Then in early 2016 more than 50 billion yuan was involved in "e zu bao" swindle.So the P2P lending industry encountered a crisis of confidence.To deal with this situation,Regulatory policies have been promulgated.It makes the environment of P2P lending have a big change.It can reduce the risk of industry,but the internal risk of the P2P lending platform is still existent.To help P2P lending investors avoid unnecessary loss.It is necessary to construction model of P2P lending platform risk warning.Base on the third-party evaluation institution,the paper make a depth theoretical research about the risk of P2P lending platform.Than construction model of P2P lending platform risk warning,based on improvement of the P2P lending platform credit rating system in the portals website of P2P lending and third-party evaluation institution—“wangdaizhijia”.And finish credit rating and risk warning of 30 P2P lending platforms.After that,come to the following main conclusions.The risk warning model in this paper is more effective than credit rating system of “wangdaizhijia”.Online P2P lending platform is more safety than Online—offline P2P lending platform,and the Online—offline P2P lending platform with risk guarantee reserve is more safety than the platform collaborate with guarantee company.At the same time,the results of this paper have a high reference value in P2P lending industry.Finally,provide some risk prevention advice for P2P lending platform.This paper mainly has six parts.In the first part,mainly introduce the background,purpose,meaning of this paper and overseas and domestic research status of P2P lending.In the third part,reviews the development and future trend of P2P lending.And focus on the P2P lending platform with trouble.Than summarizes the necessity of research on the P2P lending platform risk.In the second part,analyze the risk of the P2P lending platform,according the limitations of current P2P lending risk control,and the operation mode of different P2P platforms.And analyze the reason of the portals website of P2P lending and third-party evaluation institution existence.In the fourth part,introduce the “wangdaizhijia” as case.And analyze the current situation and shortage of the index system and the method of credit rating system.In the fifth part,construction the risk warning model of P2P lending platform,based on improvement of the P2P lending platform credit rating system in “wangdaizhijia”.And finish credit rating and risk warning of 30 P2P lending platforms.The model is validity because of the accordance between the empirical results and the theory descriptive analysis.And compare the new risk warning model with the credit rating system.In the sixth part,summarizes the main conclusions of this paper,and propose that complete the P2P lending platform third—party service system,set up the internal risk warning management system of P2P lending platform and implement more targeted regulation to P2P lending platform.