Research On Risk Control Of P2P Online Lending Platform

The P2P network lending is emerging in recent years,private lending model,which is based on the internet.On the one hand,the P2P network lending can be more reasonable allocation of social idle funds,to provide the public with a new investment mode,it can make up for the shortcomings of traditional financial methods;On the other hand,P2P network lending is also an important form of China’s current Inclusive Finance,it can ease the financing difficulties of small and micro enterprises and individuals to a certain extent.But in recent years,due to the rapid development and inappropriate regulatory policies,the network lending industry,more and more problems in industry have been exposed,the industry such as the closures of the crisis and many other serious incidents in recent years.Therefore,the most worthy of study is the risk management in the operation process of the network lending industry.Last year,that is 2016 is the first year of comprehensive supervision of the network lending industry,the platform with better risk control ability will have better development.This paper’s research method is case studies.First of all,combing the domestic and foreign research and theory of network lending,including the regulatory policies and business conditions,introduces the development situation of P2P network lending industry in China.Then,the author used a representative P2P network lending platform’s case called "Hongling capital" to analyze the main risks exist in the platform,and made the evaluation and recommendations for the risk of prevention strategies of this platform.Based on the analysis of the operation status and problems in the past three years,analysis and evaluation of the measures and effects,and try to get inspiration.The author hope to be able to risk prevention and healthy operation of the entire industry to make effective recommendations.Through the analysis,the following conclusions are drawn:P2P network lending for China’s economic development is more advantageous than disadvantages.From a regulatory point of view,we should strengthen the supervision of the net loan industry legislation and industry self-regulation organizations;from the institutional construction of the industry,we should implement the mandatory requirements of the third party trusteeship system and information disclosure;from the perspective of the platform’s ability to control risk,it should improve the platform’s own ability to pre audit and post loan management.