Study On Optimization Of Risk Control System In L Company

At present,the international economic environment is undergoing a special period of profound change.With the steady advancement and deepening of China's economic reform,it is forming a consumption-led economic gradually.At the same time,reform dividends are emerging,and emerging industries such as digital economy are experiencing unprecedented opportunities for development.The huge consumer financial market attracts more and more financial institutions,which makes Internet finance having a profound impact on China's economic development.However,under the double pressure of the regulatory authorities to improve the industry laws and regulations and the repositioning of the P2 P net loan industry as a supplement to the traditional banking industry,P2 P network credit platform is facing increasingly complex market environment and development problems.Since the number of P2 P lending enterprises has been increasing,it exposes more and more business risks after the expansion of scale and business.L Company also disclosed many bad debts this year;At the same time,the regulatory authorities stipulate the upper limits of enterprises and individuals can borrow from P2 P lending platforms.The vast target of L Company is difficult to continue.In this special period of double reform,the platform must pay attention to the business risk control of the business if it wants to achieve healthy and long-term development.Based on the case of Anhui paper industry event and Huishan events and other events of bad debts,this research select the current status of risk control system as the angle of view,and in order to improve the ability of risk identification and control,it is about to optimize the process of the system by comprehensively analyzing the causes of risk control of the platform.The first chapter is introduction part,mainly about the research's design,method and basic framework,and innovation and deficiencies;Then it analysis the current operation status of the risk control system of L Company from three aspects of risk identification technology,analysis method and coping strategy,according to which it points out the existing problems and reasons.Final and the most important chapter,it focuses on optimizing the control plan of Lcompany from three aspects of early warning,mid-term control and follow-up monitoring,and proposes solutions to the company's risk control.