Research On P2P Lending Risk Control Based On Hongling Venture Capital

With a series of regulatory policies,the P2P lending industry has entered a stage of great renovation.The tightening of regulatory policy is both an opportunity and a challenge for P2P lending platforms.On the one hand,various regulatory rules put forward clear requirements on the record qualification,fund custody,and information disclosure of P2P online lending platforms,and platforms that fail to reach the standards will face the risk of elimination.On the other hand,the supervisory level and the government support the development of the online loan industry.As long as the platform is operated in compliance and healthy development,it will be possible to stand out in this industry's deep reshuffle.Therefore,this paper provides a reference for the development of P2P online loan platform by studying the risk control system of Hongling Venture Capital.Under the guidance of financial disintermediation theory,information asymmetry theory and risk management theory,this paper firstly elaborates the development status of China's P2P online loan platform from the aspects of development history,fundamental analysis and supervision policy.Secondly,it analyzes the causes of P2P online loan platform and the risks it faces.Then from the perspective of operations,platform products,business processes and profitability,Redline Venture Capital conducted a comprehensive analysis of the venture capital.Then by analyzing the business model,guarantee model,platform target and top management personnel of Hongling Venture Capital,Hongling Venture Capital mainly faces policy risks,liquidity risks,default risks and management risks.Next,it elaborated the risk control process of Hongling Venture Capital,and based on this,through the risk control management analysis of overdue projects,it was found that Hongling Venture Capital had insufficient early-stage due diligence on risk management,and it also had The advantages of handling bad assets efficiently.Finally,the above conclusions are proposed to adjust the business model,improve the quality of risk control,strengthen internal management,and build a platform internal control system.