A Company P2P Network Credit Development Research

A company was founded in 2006,the headquarters is located in Beijing,is A collection of wealth management,credit risk assessment and management,the reference data integration services in an integrated modern service enterprises.It first introduced from abroad advanced credit management philosophy,combined with the actual condition of Chinese society,launched A person-to-person(P2P)credit loan service platform,A platform at the ends of the company as A platform for managers in providing the entire credit management services.Through this platform,has the financial needs of customers can be in the hands of the surplus funds to lend credit good but lack of money working class,the college students,small business owners,through interest income at the same time can also bring financial clients high stable yield.On September 25,2010,30 companies such as A company annual "dark horse the most potential companies”.In this paper,the development process of A company,operation mode,such as introduces the background,from the development environment,risk control,credit scale of A company are analyzed.By analyzing the specific problems of pointed out that A company faces,and puts forward solutions to solve these problems from different angles,and puts forward Suggestions on the further development of A company.First of all,to formulate a unified credit standards,realize a wide range of information sharing.A company can combine other companies of the industry,and adopt the way such as sharing the borrower's credit information,promote the development of internal credit reporting industry.Secondly,should raise the level of risk management,control the potential credit risk,in the process of enterprise operation to improve their financial and operating data transparency,to cultivate high quality talent team.Finally,to strengthen the cooperation with other industries and third party service system.