Internet Financial Risk Early Warning Based On P2P Internet Lending Platform

P2P network lending is one of the main forms of Internet banking,and achieved explosive development in 2013.Social financing in P2 P network lending under the effect of significantly improve the matching efficiency,individuals and small and medium-sized enterprise financing difficult problem has been alleviated to a certain extent,the state formulated relevant policies to encourage more fully with the.The initial stage of development,lack of perfect P2 P network lending regulatory policies,coupled with relatively low barriers to entry,its development encountered many difficulties and problems,which occurred in this area,the borrower capital chain rupture and more frequent net loan platform to run away and other events,resulting in adverse social impact.Therefore,as the emerging financial industry,the biggest challenge facing P2 P network lending is the effective warning of possible risks.For the P2 P network lending platform,in order to reduce the consequences caused by risks,relevant work must be prepared to risk early warning,risk prevention work carried out in advance,so as to realize the development of the financial industry stable,healthy and sustainable.In the current environment,this paper deeply analysis and Research on the Internet financial,P2 P lending network,the relevant theoretical foundation and risk warning,on this basis,summarized the relevant factors influencing the P2 P network lending platform risk,comprehensive index screening principle to finish the construction of risk early warning model.This paper selects the sample platform for a total of 21,complete platform for data collection,risk analysis method of platform value measurement using principal components,on this basis,the implementation of judgment on the platform of the degree of risk,and then through the verification of the index system,the practicability of the model.Finally,based on the results of the study,the paper puts forward some measures to deal with the risks of the online lending platform from the different angles of investors,platforms and supervision,and makes contributions to the sustainable development of the Internet financial industry.