| Peer-to-peer online lending is a trading that a person borrow money from the other one through a network lending platform.With the rapid development of internet and the financing need of small and medium enterprises and individuals,the P2 P industry has been rapid development.The more P2 P platforms are,the more problem platforms are.The related regulatory is in contrast.So the P2 P industry will face a major reshuffle.The one of the major works for P2 P platforms is to prevent and control the risks faced in the current economic environment and the regulatory policies.Based on the case study of the risk prevention and control of ren-ren-ju-cai,this paper presents the observations and recommendations of risk prevention and control of P2 P network lending platform from the bank,investors and borrowers,third party agencies and the platform itself.This paper argues that P2 P network lending platform should be accelerated with the bank to achieve fund depository,to improve its compliance management,and be in line with regulatory requirements.They can provide more funding safeguards for investors to attract more investors to invest in.For the borrowers ' credit risks and default risks,the platform can use advanced credit rating systems,collect more comprehensive information of borrowers,or use a professional company to reduce risks.Network lending platforms can work with the third-party agencies in credit rating,funds collection and managing funds to enhance efficiency.For P2 P platform,the strict control and supervision is necessary for all aspects of the business process,to reduce the risk. |
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