| The development of P2 P network lending continues to develop with the increasing prosperity of Internet finance.From 2013 to now,China's P2 P lending industry has entered a stage of rapid development,and the scale of business transactions and the number of business participants have reached new heights.At the same time,in 2016,it represents China's Internet financial industry to the formal Chinese Internet Financial Association,opening a new era of P2 P network lending industry standard,which marks the continuous standardization of China's network lending industry.However,in the context of the rapid development of P2 P network lending industry in China and the continuous improvement of national policies and regulations,the running of P2 P network lending platform and bankruptcy are still common.P2 P network lending platform needs to better solve the problems in the development process,so that the platform is on the right path of sustainable development.There are many reasons for the problem of the platform.From the macro level,it is very important to see the risk of the network technology risk and the legal risk brought by the change of the state regulatory policy from the macro level.At the same time,it is also a very important aspect to see the financial risk caused by the financial difficulties faced by the platform from the micro angle.The financial risk index of the analysis platform can judge the size of its financial risks and determine the degree of its impact on the platform,thus to the case,to control the financial risk,and to make it necessary to run the platform smoothly and smoothly.In view of the financial risks faced by the P2 P network lending platform,this paper uses the combination of theory and case analysis,comparative analysis,literature research and so on.Starting from the micro perspective,this paper analyzes the case of Yirendai.Yirendai is the first P2 P net loan platform listed in the United States,and the Yirendai is also an industry benchmarking enterprise.Its compliance level is also a leader in the industry.After analysis,it is found that the financial risk is more representative,and it can reflect the general financial risk of the whole industry.The control of business risk is also useful for reference.The financial risk control measures such as the bank deposit management system,the risk reserve system,the cooperation with the credit companies and other financial risks are analyzed,and the financial risks still exist in the case of adopting these control measures,which can be matched with the control of the macro risk,so that the risk of the P2 P network lending platform will be more complete.Control the problem.This paper analyzes the capital risks,guarantee failure risks and profit mode risks of Yirendai,and subdivides them into multiple indicators for analysis.The analysis found that there are still more or less deficiencies in the control of pleasant loans in capital risk,guarantee failure risk and profit mode risk.At the same time,this paper puts forward corresponding control suggestions for the financial risks of pleasant loans.For example,it is more targeted for third party security agencies to independently undertake the guarantee business,match the inflow and outflow of funds,increase the cooperation with the credit companies,improve the internal control system,and expand the channel of the company's business.By analyzing the financial risks and control of pleasant loans,the corresponding solutions are put forward.Make the P2 P net loan platform pay full attention to the harm caused by financial risks and actively control financial risks.Finally,the paper draws the Enlightenment of the financial risk control of P2 P network lending industry,such as the proportion of the real capital and the business volume,the bank deposit management system,the principle of small dispersion,the control to avoid the dismantling,the prohibition of the establishment of the pool of private capital,the control of the overdue rate of the loan,the composition of the control cost,and the improvement of the source of income,etc.Measures to control financial risk.This means that China's P2 P lending industry can develop healthily and orderly,thereby contributing to the prosperity of China's financial industry. |
