Research On The P2P Operation Mode And Its Risk Of A Finance Company

In 2007,P2 P online lending officially entered China.P2 P rooted in foreign countries initially exclusively used lending transactions online.It is this kind of internet-based financial innovation that has brought new impetus to China's financial market.In the past ten years,P2 P lending has made great contributions to the implementation of inclusive finance.It has included those who cannot obtain financing services from traditional financial institutions into their own service systems,allowing these customer groups to enjoy lower thresholds and more efficient microfinance services.The highly efficient microfinance service also provides new investment options for the financial life of our people.With the booming development of the domestic P2 P online loan industry,the frequent shutdown and running of the P2 P network lending platform also exposed the heavy risks of the domestic online loan industry.With the gradual acceptance of the supervision and acceptance period of the online loan industry,the P2 P network lending platform is facing the dual pressures of regulatory compliance and industry competition,and the industry has entered the stage of compliance rectification with the survival of the fittest.This article selects the representative of AnRun Financial in the P2 P network loan industry as the research object,and starts its research on the P2 P operation model.The article first introduced the development status of China's P2 P online loan industry,and then analyzed the operating models and risk control of six P2 P network lending platforms at home and abroad to understand the characteristics and similarities and differences of the typical operating modes of P2 P online loans.Second,the author takes AnRun Finance Company as an example,it analyzes the four aspects of the Operation process,loan products,risk control measures,and profit sources,and finds that P2 P operating model has a competitive advantage and there is a debt transfer model compliance risk.Excessive reliance on offline risks and insufficient information disclosure risks.Finally,the paper proposes improvement suggestions for the further development of the platform for the risks of AnRun Finance Company.Hopefully,the results of this study can provide some inspiration for the healthy and sustainable development of the P2 P network lending platform.