Research On The Risk Measurement And Regulation Of The P2P Online Lending Industry

In 2007,paiting loan was formally established,which was the first P2 P platform in China.Because of the low threshold,unsecured and flexible lending time,P2 P online lending industry has developed in China.However,due to the lack of control of the overall risk of the industry and the gap of external supervision,the newly emerging online lending industry has been plagued by frequent accidents.Platform by the end of 2016,there have been thousands of alleged illegal financing difficulties,with run or withdrawal,serious harm the interests of the broad masses of investors,and caused the social public fear and distrust of online lending industry.Therefore,risk control and industry regulation are crucial to the online lending industry.This article in view of the network controls the risk of lending industry and industry regulation is studied,first introduces research background and significance,carefully combed the literature domestic or abroad,and analyses the theory applicable to lending network.Secondly,according to the actual situation of China,the problems existing in the development pattern,operation mode and current supervision of P2 P network lending industry in China are given.And on this basis,the current our country network borrowing type has explored the potential risks in the platform,and according to the type selection of risk measure,finally using binary Logistic regression model to construct the risk measurement system.Finally,the paper puts forward some Suggestions on the internal and external risks of P2 P online lending platforms.By summarizing the above description,the following conclusions are drawn:Firstly,the risk of the P2 P network lending industry in China is mainly regulated industry regulation and risk,operation risk and the risk of information disclosure.Second,the risks of lending to P2 P network platform in China is more,by building the risk measurement model,can make the platform for investors,operators and regulators to increase effective path of risk early warning,the possible problems of platform to make risk management in advance.Third,to address the operational problems that these risks may cause,the prevention measures are put forward.