Comparative Study On Peer To Peer Lending Default Processing Mode

Network lending began to become an important way of financing investment people's momentum in the development of network finance,China's domestic P2 P platform is the direct introduction of foreign models and not with the domestic actual situation unifies,due to market,platform management and borrowers and other aspects of the cause of our country P2 P platform operation and the borrower default the breach of contract.In order to healthy and sustainable development of China's network lending platform P2 P to promote the network and regulate the financial market order,especially in April 2016 since the P2 P network lending risk rectification work carried out,China's P2 P net loan platform management and supervision will be More and more strictly,strengthen supervision in the background,this research is based on information asymmetry theory and finance theory,from the theoretical and empirical perspectives on P2 P platform demonstrates the default processing mode of the advantages and disadvantages of a research from literature and data at home and abroad in the domestic P2 P network lending the operation mode is analyzed,especially analyze and dig the risk in the process of P2 P platform in operation,will be the existence of the risk and default combination,further research into the causes of the P2 P platform and borrower default,on the other hand,by default processing mode application inquiry of ZD company And analyzed the main default processing modes.After the study concluded that the current platform is the main reason for breach of their operating platform the risk and the credit risk of the borrower result.Because of the market access threshold is low,the lack of supervision and other problems exist,a large number of bad credit platform began to spread in the financial market,at the same time,the borrower's moral risk and credit risk supervision and risk control in the absence of environment gave birth to a large number of borrowers to default In order to deal with the problem.The problem of default,P2 P platform will develop overdue Dunning strategy,and through the blacklist on borrowers default constraints,at the same time,through the transfer of creditor's rights,creditor's rights guarantee,inferior fund,insurance system on the lender's funds for reimbursement,however these default processing mode in the concrete in the operation of enterprises is restricted by platform funds or third party organizations to give full play to the role of solvency,breach of different processing modes are different in scope to deal with the problem and application way.To achieve the purpose of controlling the risk of default,the enterprise must set up reasonable different mode in Enterprise Running in the application of the field and the way to more effective play to the advantages of different modes,reduce the impact of default on the development of enterprises.