Risk Control Research Of P2P Lending Platform

As a new type of financial service model,P2 P Network lending have the great significance to make up for the inability of the traditional financial industry,because they can't meet the financing needs of medium-sized and small enterprises and individuals.China's P2 P network lending industry has been emerging since 2006 and developed rapidly in 2013.At the same time,the P2 P network lending industry has also created a number of problems in its rapid development.There are 6,054 P2 P network lending platforms till the end of February 2018,but the cumulative number of closed platforms or problematic platforms was 4,164,which was nearly 70% of the whole industry,the degree of risk accumulation can be imagined.As the China Banking Regulatory Commission promulgated the<Temporary Measures for the Administration of Business Activities of Internet Lending Information Intermediaries>,the P2 P industry has ended the period of regulatory turmoil.Complex and diverse risks and the arrival of the new regulatory era have imposed higher requirements on the risk management capabilities of the P2 P platform.Firstly,this article introduces the general information of the P2 P network lending platform industry,the development trajectory after its entry into China,and categorizes and summarizes the risks during the process of“indigenization”.Secondly,take the YooLi online lending platform as the example because of that it has certain representativeness in risk management,introduce its operating mechanism and products,analyze its risk management model,collect data on the comparison platform to study the volume,interest rate,demographic characteristics,calculate its per capita investment,per capita loan amount,average borrowing period,and the other loan factors that may affect the platform's liquidity.Thirdly,we compare and analyze the risk management model of YooLi with some excellent P2 P platforms at home and abroad,and come up with the core elements that must be possessed by the excellent risk management model in the P2 P industry.Finally,this articlegives some advice in the national supervision,industry development and other aspects of the proposed risk prevention,in order to Promote the optimization and improvement of the domestic P2 P risk management mechanism and the healthy development of the domestic P2 P industry in the future.