| With the rapid development of market economy and internet finance,the explosive growth of P2 P online lending has attracted public attention.Because of its low operating cost,wide business coverage,efficient business processing,the P2 P online lending solve many medium-sized enterprises and personal financing problem.In 2017,the number of P2 P online lending normal operations in China reached 1931 and turnover exceeded 280 million yuan,becoming a new channel for medium-sized enterprises and residents to invest and finance.However,with the rapid development of platform operation,the increase number of bad debts and the collapse of the platform caused the credit risk of P2 P online lending,and 645 platforms were closed down in 2017.This paper selects the "personal loan" platform as the research object,expounds the data sources,research variables and research assumptions,through the Logistic regression analysis model to study the factors affecting the borrower default rate,and to make analysis and explanation of significantly related variables.The results show that the borrower's gender,marital status,working life,income,owning a car,the amount of borrowing and borrowing annual interest rate have a significant impact on the default rate.In order to control the default factors of the network lending platform,this paper focuses on the construction of the internal control management system of the network lending platform,combing the development of internal control theory at home and abroad.The paper put forward three-year planning of the construction of internal control management system of P2 P network lending platform in China,clear construction needs,guiding principles,framework system,construction process and construction objectives,combing the focus of the five framework system of internal control,through the construction of internal control system to effectively promote the healthy development of P2 P online lending industry in China. |
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