The Countermeasures Research On Risk Management And Control Of Online Peer To Peer Lending Platform

The effective supply of finance in our country is insufficient,especially for the real economy.The traditional financial institutions focus the business on the large and medium-sized enterprises.The survival and expanding of private lending based on the inadequate support from the traditional financial institutions for the small and micro enterprises,community finance,agriculture,three rural,and so on.In 2007,P2 P network lending which combined with Internet finance and private lending came into our country and filled the short board of traditional financial industry in microfinance market.The low barriers to entry and disintermediation brought great convenience to the groups in long-tail theoretical distribution of traditional financial institutions,which improved the efficiency of financial market and takes the financial inclusion forward.Under the pressure of the economic downturn,P2 P network lending has become a hot new way to maintain and increase the asset value,due to the lower return at the bank and the higher threshold and higher risk of real estate,stock market,fund and so on.The risk control awareness for the P2 P network lending platform itself is generally weak and the risk events occur frequently on account of the supervision insufficient in the infancy.However the research about P2 P network lending platform risk management mainly concentrated on the business model and the main risk exposure but lack of the comprehensive and systematic risk management.The relatively sound regulatory system of P2 P network lending platform was constructed on the whole last year and the deadline of rectification is approaching this year,industry reshuffle speeded up and the growth slowed down,competition intensified.The platform which implemented effective comprehensive risk management can identify the gaps and fill in timely and make considerable progress even after the great waves.The thesis takes the risk involved in developing for the P2 P network lending platform as the research object.First of all,summary the history of P2 P network lending platform development and the current situation by the ways of survey methods and do some statistical analysis from different aspects:the platform background,problem platform,industry scale,the degree of activity,theprocess of comformance and so on.On the basis of reading a large number of domestic and foreign research literature and related theories,this paper classifies and systematically combs the development pattern of P2 P network lending platform in China,which is derived from the development of alienation of network lending platform.It sorts out various business models of the P2 P network lending platform in our country from the high or low loan interest rate,the different investment background,the different business processes,and the various main business project investment object.At the same time,it makes a concrete analysis of risk factors according to make a detailed summary of the basic business procdure and point out each link which is easy to induce the risk.The main risks and causes involved in developing for P2 P network lending platform in China are analyzed comprehensively based on the commercial risk management model and identify the P2 P network lending platform development risks in terms of three aspects: environmental risk,decision-making risk and process risk.Let it borrow from the experiences of P2 P network lending platform risk management and control measures of diverse countries and regions in different macro-regulatory environment:Finacial sector Regulation,Functional Regulation,United Regulation,Twin-peaks Regulation.Finally,some feasible countermeasures and suggestions for dealing with environmental risk,process risk and decision-making risk are put forward on the analysis of the practical situation of P2 P network lending platform in China.