Research On Risk Management Of P2P Network Lending In China

P2P network lending is a new type of private loans.First of all,P2 P network lending does not need the advantage of collateral without collateral,and it has short loan time and no mortgage.It not only broadens the financing channels of the public,but also can solve the difficulty of financing for our small and micro enterprises.Secondly,investors can make use of it.Their own idle funds,on the platform to find suitable for their own projects to invest,so P2 P network lending for small and medium investors in our country to provide good investment opportunities,so the rise of P2 P network lending has been favored by the majority of borrowers and investors.The first P2 P network lending platform-paipai lending platform in China was established in 2007.Since its establishment,the number of borrowings has risen linearly and the scale of financing has expanded year by year.The gradual introduction of a series of government policies has led to the deepening of the supervision and the recession of the economic environment.The scope is also expanding,and the operation of platforms has become increasingly prominent.In recent years,the rapid development of P2 P network lending not only exists in common risk with traditional finance,but also derives its unique risk.With the emergence of new specific risk problems,new risk management and control measures are needed to adapt and solve,and the new risk management measures can protect the interests of investors and let the P2 P net The collateral lending platform operates better.This paper first introduces the background,purpose and significance,contents and methods of the research,literature review,and the innovation and shortcomings of this research.The second is to use data statistics to analyze the development process of P2 P network lending industry in China,the status of development and the characteristics of P2 P network lending.Then we analyze the case of paipai lending platform,mainly including three parts: the first part introduces the general situation of paipai lending platform,and analyzes the development status of platform,the function of platform,the operation mode and profit mode of platform by data chart.The second part is the key part of the article.It mainly analyzes the existing key risk problems,the risk management and control system of platform and the shortcomings in the control system.The third part is based on the analysis of the risk managementsystem and the shortcomings of the paipai lending platform,starting from the perspective of the network loan platform,with the two perspectives of the investors,P2 P and the government,it puts forward suggestions for improving the risk control of Pat lending.Finally,a summary and analysis of the development prospects of paipai lending and the development trend of the industry are carried out to guide the healthy development of the network lending industry.