Risk And Revenue Analysis Of P2P Network Lending Platform

With the rapid development of Internet finance,P2 P online lending has attracted many investors with its high yield and flexibility.Since the launch of P2 P lending industry in China started later than the developed countries,such as the United Kingdom and the United States,the current scale of development has far surpassed the developed countries,ranking the first of the world.However,under the background of imperfect domestic credit information system,insufficient government supervision and lack of self-regulation in the industry,frequent problems such as "running the road" and "cash withdrawal difficulties" have adversely affected the entire industry and made investors suffer huge economic losses.Then,as an investor,how to invest rationally and what factors should be considered,is the focus of this article.The emergence of risk and the status of benefits are closely related to the development of the whole industry.Therefore,this article first analyzes the development of P2 P online lending industry from four aspects: development history,development status,industry barriers and regulatory process.After a comprehensive analysis of the development of the industry,this article deeply discusses the risks and benefits of P2 P online lending platform.In terms of risk analysis,we focus on the analysis of the platform risk system,and extract the top-ranked platform data of the five major factions in accordance with the platform background.Compare and analyze the risks of the five major factions in terms of risk management and control team,management and control processes,management and control measures,and information disclosure.Through above analysis,investors could consider clearly.In terms of revenue analysis,from the three dimensions of platform background,trading area and project type,compare and contrast the entire P2 P online lending industry and the revenue of the five platforms.The status of risk and profit,should be reflected through the operating results ultimately.This article bases on the financial point of view,adopt quantitative analysis methods,in accordance with the profitability,operational capacity,solvency,growth potential of four dimensions,analyzes P2 P factions of the advantages and disadvantages through 17 platforms financial audit report data.After the above comparative analysis,empirical analysis and quantitative analysis,the article summarizes the full text: P2 P platforms with different backgrounds have their own characteristics.As investors,they should enrich financial knowledge,combine their own risk appetite,and invest rationally.