Research On The Risk And Supervision Mechanism Of X Network P2P Network

Microfinance is a business model that lends very little money to people with financial needs.Its social value is mainly reflected in the need to meet the personal financial needs,the development of personal credit system,improve the use of social idle funds in three areas."Nobel Peace Prize" winner Muhammad Yunus in 1976 to 42 poor villagers lent $ 27,creating a precedent for small loans.With the rapid development of the Internet,this small amount of borrowed by the line with e-commerce professional network onto the line.P2 P first appeared in the UK,in March 2005 in London,London set up a company called Zopa net loan company,and in a very short period of time to promote the United States,Italy,Japan and other countries.The first US P2 P company founded in 2006,due to the US credit system is more perfect,the Internet technology developed,user verification timeliness,high security,daily trading volume remained at more than 10 million US dollars.In 2007,China's first P2 P platform was established in Shanghai,in 2103,the number of major domestic banks to shrink the number of loans soared to nearly 1,000,many of them speculators through a simple Internet packaging began to go online(illegal fund-raising),2014 Year the country clearly support the development of Internet innovation attitude,and give some support in the policy,some financial giants and Internet giants into the P2 P field,set up their own P2 P network lending platform.It is worth mentioning that China and foreign P2 P company online model is different from China due to lower human costs,line investigation to achieve the conditions,more of a line of online combination of operating mode.Although China has a large population base,high demand for financing,financial policy is more open and other advantages,P2 P development prospects are better,but can not be ignored is P2 P companies Paolu,breach of contract and other phenomena on the development of the industry impact.The main research of this paper is: first,P2 P industry development process and the status quo;second,to x company as a typical case,from the x company to develop business model and other aspects of industry risk.Third,according to the actual situation of the company,put forward risk prevention measures and positive suggestions.This paper focuses on the case analysis of risk control mechanism,the design of P2 P enterprise risk control plan.According to the results of this paper,P2 P enterprise risk control focuses on preventing credit risk and strengthening internal risk management.At the end of this paper,this paper makes a summary and puts forward the relevant policy recommendations of P2 P risk control.