The Research On Risks And Prevention Of P2P Lending Industry

P2P lending industry is rapidly expanding.As a new industry,P2 P lending has toke full advantage of private capital.P2 P lending has contributed to solve the financing problems of small and medium-sized enterprises in China.On July 18,2015,10 ministries and commissions of State Council such as Bank of China issued <the guiding opinions on promoting the healthy development of the Internet financial>.These guiding opinions got the P2 P lending industry back on track,and legitimized network platform identity.Meanwhile,there are many risks in P2 P online lending industry.This paper analyses development situations and problems of the products,and puts forward countermeasures and suggestions.In this paper,the development status of P2 P lending industry is analyzed from the perspective of data,and the reasons for the industry development are emphatically studied.Meanwhile,developmental pattern of P2 P lending industry is also analyzed.This paper also conducts an in-depth analysis of the risks and industrial challenges of P2 P lending platforms,and summarizes the types of risks of the four P2 P lending platforms,including compliance risk,credit risk,control quality risk and other risks.This study also conducted a special case analysis of domestic Hengyirong P2 P lending platform,and finally put forward suggestions on the development of P2 P lending industry from three aspects,including regulation,due diligence and the talent.