Research On The "P2P" Model And Risk Management And Control Issues

In 2005,the first world's "P2P" enterprise established in the UK,then,the model was introduced to China in June 2007,the first P2P domestic enterprise in china—"on loan" is established.In the second half of 2011,the domestic P2P industry starts to explosive growth,while at the same time of rapid development,P2P industry began to appear a series of such as "run","circle money","fraud","payment crisis" malignant events,such as serious damage to the image of P2P industry,industrial development suffered by the shadow.What model for P2P industry?the risk in P2P during the process,and how to control operation to avoid paying crisis and the collapse of risk?This paper is based on Business Model Theory of Zhu Wuxiang,a professor of Tsinghua University.Through the analysis of the main elements of lending to the P2P network model,such as investors,financing,in the process of P2P platform operation platform itself,the third party and other parties to behavior analysis;To analysis of the current problems existing in the development of:legitimacy problems such as lending,credit risk assessment,credit problems,borrowing the moral hazard problem,lending product design problems,etc.;Found that the main risk in the process of operating points,and tries to put forward improvement Suggestions to perfect the P2P model and risk control,such as:to strengthen regulation and industry standard,perfect credit system so as to avoid credit risk,improve the level of technology to reduce the risk of microfinance technology,strengthen the supervision of the capital account in the middle of the so as to guard against the risk of moral hazard,product design risk alert to leverage and guarantee risk,encourage technological innovation and strengthen the network security,etc.Opened at the same time,based on a less than 24 day announced the collapse of the P2P case "the credit net",show its main risk points in the process of operation,and puts forward improvement Suggestions to perfect the P2P model and risk control,in order to promote the healthy and sustainable development of the P2P industry.