| Financing difficulty is the fundamental reason for the development of small and medium-sized enterprises in our country.The demand for financing in construction enterprises is much higher than ordinary industry.In particular,small and medium-sized construction enterprises are faced with huge obstacles.Whether the problem can be solved effectively is related to the healthy and orderly development of China’s national economy.In recent years,with the rise of Internet finance,P2 P online lending emerged and developed rapidly,making up for the deficiencies of traditional financing methods,broadening the financing channels of medium and small construction enterprises and becoming an effective supplement to the traditional financial system.This article first summarizes the P2 P platform and the characteristics of small and medium-sized construction enterprise development present situation and the risk of default,and the relevant theories and methods of risk management.Then through A platform of small and medium-sized construction enterprises risk management status analysis,summed up the existing problems of platform A in the risk management of small and medium-sized construction enterprises.It mainly includes that the incomplete credit system leads to the lack of data authenticity,and the particularity of P2 P platform loan leads to the unclear of the borrower,the weak risk management awareness of the investigator,the lack of scientific risk measurement model and the single risk control means of the dynamic monitoring and warning system.Finally,in order to effectively identify risks from the sources,evaluate the risks and better to control risk,the author uses the expert judgment method and analytic hierarchy process(ahp)to identify the risk to assess the sorting,.To analysis the risks of the current P2 P platform,including credit risk,legal risk,operational risk,moral risk and market risk.Important risk indicators are internal process management of customer default,customer monitoring,credit fund supervision platform,technical security,etc.In addition,countermeasures and suggestions are proposed to improve the risk management level of platform A company,so as to improve the fund security of the whole platform,reduce the overdue failure rate and promote the healthy and rapid development of platform A company. |
