Educational Guidance Research On Risk Prevention Of P2P Network Lending In Yancheng City

In recent years,with the rapid development of Internet finance,a variety of Internet lending products and services have emerged,among which P2P network lending is a relatively rapid form of development,and at present,a large number of private capital has entered P2P network lending.In terms of its own characteristics,P2P network lending is a form of financial lending service innovation in the Internet era,which provides new financing channels for SMEs,and also plays a certain role in promoting China's economic development.However,it can not be ignored that at present,there is no perfect supervision system in the field of P2P network lending.When private capital enters this field,it lacks a more scientific understanding,which promotes a series of risk events,causing huge losses,and seriously damages the healthy order of private capital market.Therefore,how to effectively prevent the risk of P2P network lending is related to the healthy development of China's Internet financial market.As the executive organ of state power,the government should give full play to the function of social public service.In the prevention of the risk of P2P network lending,the government departments should play the role of educational guidance and carry out corresponding educational activities,so as to enable residents to correctly recognize the risk of P2P network lending and prevent some residents from blindly participating in it.At the same time,government departments should also strengthen the education and guidance of P2P network lending companies and industry associations,so that P2P network lending platform companies and industry associations can also play an effective role in preventing the risk of P2P network lending.In this paper,Yancheng City is taken as the research object,and its P2P network lending risk prevention education and guidance are studied.Firstly,it elaborates the related concepts and theories of P2P network lending,and analyses the basic situation of government departments'supervision on the risk of P2P network lending and the basic situation of educational measures on the risk of residents' P2P network lending.This paper chooses Yancheng residents as the object of investigation,and through the form of questionnaire survey,investigates and understands the basic situation of some Yancheng residents about the government's risk education on P2P network lending.This paper analyses the problems existing in the education and guidance of Yancheng government on the prevention of residents'P2P network lending risks,and puts forward corresponding countermeasures.Through investigation and research,we can see that many residents lack perfect risk prevention awareness in P2P online lending,which is closely related to the inadequate education guidance measures of government departments.Government departments have not yet formed a sound regulatory system in the field of P2P online lending,popularized the risks that residents may encounter in the process of online lending,and provided residents with measures to prevent risks.All these are important reasons for the poor prevention effect of P2P online lending at present.In view of these problems,this paper puts forward corresponding countermeasures and suggestions from the angle of government education guidance and perfect supervision,such as establishing scientific education guidance consciousness of preventing the risks of P2P network lending,actively innovating and enriching the contents and methods of education guidance,carrying out corresponding education guidance activities according to the actual situation of residents,and formulating unified and perfect P2.P Network Lending Risk Education Guidance Planning and so on.In order to promote the prevention of P2P network lending risk play a positive role.