Research On Risk Control Of P2P Network Loan Platform

In recent years,P2P in China and the world are developing rapidly,as a new way of borrowing,in the Internet era of sudden emergence.As of February 28,2017,China's cumulative P2P network loan platform reached 5882,and in January 1,2015 P2P network loan platform data or 2918,only two years time to grow nearly doubled,Can be seen in the development of P2P is still very fast.But at the same time the number of closed and problematic platform is as high as 3565,the average number of new platforms per month for the 56.Compared with 2014,China's P2P industry has a serious morbid,Paolu and capital chain break network loan platform increased year by year,the people of the P2P industry at arm's length.The past two years of operating conditions have been deviated from the original intention of Pratt&Whitney Finance,many P2P network loan platform with the nature of usury.In order to standardize the development of P2P network loan industry in China,at the end of 2016,China issued the Guidance Opinion on Standardizing the Development of P2P Industry,and strictly regulated the entry threshold,fund custody,borrower qualification and risk control of P2P industry.The introduction of new guidance makes China's net loan industry completely bid farewell to the development stage can not be followed,strict restrictions make thousands of P2P platform lost the qualifications of the operation,but also greatly reduces the number of new platforms for China's Net loan industry is a great test.But the guidance of the norms of the P2P industry mode of operation,reducing the operational risk of the industry,in the long term this is China's P2P industry is good.This paper first discusses the current situation and operation mode of P2P industry in our country,lists the current risk categories,and has AHP method to build the borrower's credit evaluation model.Finally,it is the development proposal of P2P network loan platform in China.