Research On Risk Management Of Y Company P2P Network Lending

Since the beginning of the 21st century,with the increase of people's income and the deepening of Internet technology,as well as the growing demand for private investment in China,a new type of private lending,P2P network lending using the Internet as an intermediary has emerged.The rise and growth of P2P Internet lending have made the private lending model more transparent and diverse,improved the utilization efficiency of private idle funds,increased the private investment channels in China,and also made up for the lack of traditional financial coverage in China.To a certain extent,it promoted the construction of China's ladder financial system.While fully affirming the positive energy of P2P network lending,we must also pay attention to the problems faced by P2P network lending in China.Most P2P network lending companies in China are playing the role of commercial banks,but they lack the same risk management system as commercial banks.This lays a time bomb for the advancement of the P2P network lending industry.China's P2P network loan industry currently has shortcomings such as lack of supervision and lack of social credit system,which has led to the emergence of risk problems for P2P companies in recent years,which has affected the healthy development of the industry.Therefore,it is necessary to strengthen the risk management of P2P network lending through a series of means.Only by raising awareness of risk management and improving risk control capabilities can we continuously improve our ability to prevent risks and control risks,thereby reducing risks,promoting better development of P2P network lending,and making it more unique than traditional financial institutions.The advantages.This article conducts an in-depth analysis based on the actual situation of China's online loan industry,and puts forward recommendations for the construction of China's P2P network lending risk management system as soon as possible.Mainly from three aspects of analysis and research:First,from the research background,research content,domestic and foreign research and other aspects of risk management theory of China's P2P platform risk management research ideas and methods are elaborated;a detailed analysis of China's Internet lending industry Development history and status quo,and summed up the main mode of China's P2P platform.Second,the focus of this article is on the case analysis of the risk management of the Y company P2P platform,and detailed analysis of the development of the platform itself and the measures taken and its existing problems in risk management.Third,due to the lack of financial supervision space in China's P2P network lending industry,resulting in the current phase of China's Internet lending market contains many risks,and based on the analysis of the Y company's lack of risk management,the case of thinking and relevant recommendations.This article puts forward related regulatory suggestions from the perspective of the government's macro external supervision level and the internal management of the platform itself.This study can be used as a reference for other P2P platforms to improve the risk control of domestic P2P network lending industry is very weak.