Research On The Control And Supervision Of P2P Network Lending Risk In China

In the past 10 years,the Internet has not only changed the way of information flow,but also promoted the new corporate paradigm and wealth accumulation movement,the Internet financial industry has been developed so far in the industry and abroad,its ability to serve the financial and physical economy has been increasing.Among them,as a branch of internet finance,P2 P network lending ups and downs,in the past this period of history of its complex,diverse and changeable,with its convenient and efficient and attractive investment and financing costs continue to standardize development,and gradually received regulatory recognition.P2P network lending to ease the small and medium-sized micro-enterprises financing difficulties and public investment difficult point of pain has gradually been recognized by all parties.In the national reign background,the entire industry data is still maintaining a relatively high growth rate,in the traditional financial life,whether investors or borrowers,they can not break and beyond the information barriers,and P2 P network lending is to use the "go Central" approach to the needs of both sides of the docking.P2 P network lending in the form of innovation and technology to serve the real economy,to solve the traditional financial reach of the place,for the real economy continues to contribute their own strength.As more and more regulations are introduced,the risk of P2 P network lending gathering is gradually being resolved under the state strong regulation mode,and the development of P2 P network lending in the 2017 is in the phase of accelerating compliance landing.With the development of P2 P network lending for 10 years,this paper uses mathematical means to analyze and control the risk,points out the influence of risk factors on the industry risk in the current background,and uses the neural network model to analyze the borrower's credit and reduce the industry risk.On the other hand,with the continuous development of regulatory policy,the process of compliance,the study of regulatory issues is particularly important,analysis of the rationality of regulatory policies and still unresolved issues,and further put forward some targeted recommendations.In the research field of P2 P network lending,the core issues involved are risk and supervision,and the main content of this paper covers the risk and regulation of P2 P network lending.The main five parts of this article are summarized as follows:The first part elaborates the research background and the research significance,briefly introduced the research method and the article main content as well as the thesis innovation point and the insufficiency,has carried on the carding to the domestic and foreign research present situation.The second part sums up the basic situation and development course of P2 P network lending in China,and analyzes the development status of the industry.The third part puts forward the existing problems in the process of risk control and supervision in P2 P network lending in China.The Forth part uses mathematical method to analyze and control the risk by establishing mathematical model.Part five puts forward the solution to the problem of P2 P network loan risk control and supervision in our country.