Research On Risk Management Of Online P2P Lending Platforms

With the development of China's economy and the improvement of the level of Internet technology,a new type of lending has emerged in front of us – Internet personal lending(hereinafter referred to as P2 P online lending).As a representative of the traditional financial model,the banking industry has a higher requirement on the review of the borrower,the procedures are more complex,and the loan amount is very limited,resulting in the financial needs of many companies and individuals cannot be met.At this time,the P2 P online loan should be shipped.Students,to make up for the financing gap of SMEs,provide investors with a higher return on investment.However,the development of the P2 P online lending industry has not been easy.More and more people are seeing business opportunities in the industry,and the number of platforms is increasing.On the one hand,however,platform managers lack management experience and draw lessons from it.On the other hand,China In the early stage of the development of the P2 P online lending industry,the risk control was not perfect,resulting in a large-scale outbreak of problem platforms.Platform operators should give sufficient attention to this point.Only when a sound risk control system is established,can the platform be continuously operated and truly inclusive finance can be realized.This article quotes the related concepts of P2 P online lending and the theoretical basis of this study.Then it enumerates the main business risk types of the P2 P online lending industry,and then summarizes and summarizes some of the existing common P2 P online platforms in China,which are relatively effective.A series of business risk prevention and control measures.In order to better study the business risk prevention and control of Internet lending platforms,this paper introduced the well-known P2 P online lending platform-"everyone loan".This article first introduced the development history of "everyone loaned" companies and combed the current status of products.And the company's existing risk prevention and control measures.Afterwards,an interview was conducted with P2 P business-related employees who had “credited everyone” to understand the company's current business risk issues.A questionnaire was designed with this result in mind.The “credit-worthy” users were surveyed to verify the existence of the problem.Its cause.According to the statistics of the interview results and the statistics of the survey results,this paper concludes that the current business risks of the “Credit for All” platform include borrower default and fraudulent loans,user money laundering,lack of investor interest protection mechanisms,etc.The internal and external causes of this series of problems are analyzed.Corresponding improvement measures are proposed from both the internal and external perspectives of the company,hoping to provide assistance for the development of the platform.It is hoped that the research on the prevention and control of business risks made by the “per capita loan” platform in this paper can provide reference for the management and management model of business risks that other P2 P online lending platforms can provide.