Research On P2P Net Loan Risk Control In China

The accurate identification of the P2 P net lending operation mode and risk is the condition and foundation for establishing the P2 P net risk control system.Compared with offline finance,the development of P2 P net lending shows different characteristics,such as extensiveness of participants,flexibility of lending transactions,high risk of transactions and highly informationalized.So,the understanding P2 P net risk needs from many angles.At present,P2 P net lending has formed four typical model,pure platform model,security model,credit asset securitization model and debt transfer mode,which also formed a peer-to-peer lending loan pat,Lu Jin,letters should be typical of the platform,different platforms in the lending relationship,the investment system and risk control system show different characteristics.Credit risk,the platform borrower information disclosure risk,management technology risk is a common platform for all risks embodied;and a violation of the law,the risk of product variability risk,liquidity risk,relationship risk and non law raising risk is different platform personality risk.The reasons for the P2 P net risk are not only the regulatory gaps,but also the different reasons of the platform and the borrowers' information is not public and the low credit rating.America and England in the P2 P net risk control has formed some typical experiences and practices which can provide beneficial inspiration in the establishment of the P2 P net risk control system,in particular to strengthen the development of the industry norms,adhere to legal compliance management,perfecting the credit system construction,strengthen self-discipline and internal rating the improvement is to learn.Therefore,it is necessary to do the following work to establish the risk control system which is suitable for the demand of the development of P2 P network in China.First,clear the principle of supervision.In order to grasp the strict supervision and maintain the P2 P network lending innovation,need to establish tolerance principle;in order to maintain the online and offline business and common development,to establish the principle of consistency of supervision;in order to protect investors and borrowers interest,need to establish consumer protection principles.Secondly,to strengthen the control of credit risk.By integrating social information resources,promoting social credit data sharing and establishing inter industry information sharing mechanism,we will increase information mobility,enhance information openness,and play the role of big data integration,providing information support for P2 P network lending business.Finally,the information disclosure mechanism is established.By strengthening the mandatory system of information disclosure and improving the platform's evaluation information disclosure system,the authenticity,effectiveness and comprehensiveness of information disclosure of P2 P network lending platform.In a word,P2 P network lending is make up for the lack of formal financial institutions,to meet the Small and micro businesses especially entrepreneurial stage Small and micro businesses demand for funds,made outstanding contributions to expand social investment channels,has been widely accepted by society,so in our country,although the P2 P network lending at the risk of the outbreak of growth stage need attention,but also should be aware of these risks is an inevitable problem in the development of P2 P network lending,non-standard and imperfect aspects are difficult to avoid,so it needs to establish the system of risk control,compliance and legitimacy of the security P2 P network lending to achieve the innovation of.