Research On Financial Risk Evaluation And Prevention Of T Network Loan Platform Company

With the rapid development of the online loan platform,the risk of the online loan platform is constantly gathering,and the risk of the online loan platform has gradually attracted the attention of the academic community and the business community.Network platform loan risk of diversity,in recent years has been that net credit platform run of events,especially the 2015 E rent treasure events that society on network platform more cautious about the risk of loan.The online loan platform must focus on risk prevention to promote sustainable development and take all measures to deal with external risks and internal risks of online loan platform.T-net loan platform is a network loan platform which is in the process of rapid development.In recent years,t-net loan platform continuously expands the market business,the number of user registration increases year by year,the transaction volume increases year by year,the company's development trend is very good.However,in the development process,the company does not pay attention to the financial risk prevention,leading to the financial risk gathering.In the new period,how to strengthen the prevention of the financial risk of the company's platform becomes an unavoidable issue of T net loan platform.Based on the overview of the Internet financial related theoretical basis.the financial risk of the T net credit platform are analyzed,and risk factors,and aimed at these risk factors,put forward some corresponding policy Suggestions.Through research,this paper considers that the financial risk of the t-net loan platform mainly includes asset risk,external risk,profitability risk,cost risk and development ability risk.The main external causes of these financial risks include imperfect policies,lack of laws and regulations,absence of industry supervision,incomplete credit mechanism and so on.Internal causes mainly comes from the T net credit platform is not formed good financial risk management culture,financial risk management system is not sound,the financial risk of the lack of professional management personnel,financial risk management process is imperfect,and so on.The results of fuzzy mathematical evaluation show that the financial risk of the platform is moderate.Based on the current situation of financial risk management of t-network loan platform,this paper puts forward some policy Suggestions on financial risk prevention.Namely,on the one hand,to form a good financial risk management culture,the financial risk management should be promoted to the company's strategic development process to form a good financial risk management culture atmosphere;Another aspect,we should constantly improve and perfect the financial risk management system,to the reserve fund system of financial risk,financial risk assessment system and perfect financial risk early warning system.In addition,it is necessary to constantly optimize the financial risk management process,rationally set up the organizational structure,optimize the process of financial risk management,and comprehensively prevent the occurrence of financial risks.