Research On The Key Influencing Factors And Inherent Mechanism Of P2P Net Loan Risk Management

Since the birth of P2P network in 2007,the development of the loan business in China has been developing rapidly.The process has been fluctuating from the initial hard exploration to the blind expansion,and then to the policy regulation and control.The only core is the risk control problem.Based on the traditional bank business risk control,this paper selects the key factors affecting the risk control of P2P net loan companies,namely,high management,business process,technical security,law and reputation,and explores three indicators of risk control effect measurement,namely,evaluation,control and monitoring,from two to the outside.The two dependent variables,the government supervision and the risk management concept,are selected and 21 hypotheses are proposed.The correctness of the hypothesis is verified by the correlation analysis.It is divided into three categories:the government supervision can positively influence the formation of the enterprise internal risk management concept,and the concept of government supervision and risk management can be significant.The positive impact of P2P net loan company risk control factors,P2P net loan company risk control key factors can positively affect the company risk management effect level.In the mediating variable,the order of the influence on the independent variable from big to small is technological safety,business process,top management,law and risk.Within the dependent variable,the order of importance is from large to small:control,monitoring and evaluation.This paper gives some explanations for the results of empirical analysis,and puts forward relevant policy recommendations from two levels of state and company.At the national level,we should improve and perfect the laws and regulations of net loan business,pay attention to the construction of Internet financial infrastructure,unified the quantitative index of the risk management of net loan,comprehensively evaluate the security of the net loan company system,make the industry admittance and exit standard of the net loan company,strengthen the on-the-spot monitoring of the net loan company,and put it in time.Exposed net loan company risk events.In the company level,the internal control of the risk management of the net loan company should include the environment,evaluation,process,communication and supervision,in all 5 aspects,and all directions control.