| In recent years,as a result of the combination of information technology and the financial industry,Internet finance has developed rapidly,and has caused a considerable degree of impact on China's traditional financial industry.One of the typical models-P2 P online lending is in a period of rapid growth.P2 P online lending can increase the utilization of capital and bring benefits to economic development and social stability.However,under the background of unsound industry supervision,in the rapid development of P2 P network lending,there have been some problems in the P2 P lending market,negative issues such as false bidding,high interest,and illegal fundraising of P2 P lending platforms have appeared frequently,and many platforms are facing the same problem.The operating dilemma includes high operating costs,lack of talents,and insufficient control of risk control.As a result,turbulence such as running tides and closing tides frequently occurred,which made the credibility of the entire industry subject to extremely bad influence.Faced with the challenge of this Internet financial model,it is very necessary to carry out a thorough review of its current status and characteristics and to conduct a comprehensive analysis of its possible risks.In order to improve the risk control system of the P2 P lending industry and promote the sustainable development of China's Internet finance.Today,monitoring and promoting the development of P2 P online lending platform has become one of the important measures for the country to promote the development of Internet finance.The healthy development of P2 P online lending is inseparable from risk control and management.This paper introduces the P2 P online lending platform model and characteristics,analyzes the P2 P network loan operating model to get some of the main risks of the P2 P online lending platform.Taking ZP Corporation as a case,the risk points were analyzed to obtain the countermeasures and suggestions for controlling these major risks. |
PDF Full Text Request