Research On Risk Control Of P2P Network Lending Platform

With the rapid development of Internet finance,a new model of borrowing and lending appears in front of people-P2 P network lending.Relying on the Internet,it not only absorbs the idle funds,but also provides the loan convenience for the small and medium financing,which is different from the traditional lending mode,with low threshold,considerable income and capital operation.Advantages such as quick and convenient procedures have been developing rapidly in recent years.However,at the same time,it also brings a series of risk problems,and the number of the problem platform is increasing.How to control the risk of the P2 P network lending platform,how to protect the interests of investors and how to maintain the stable and healthy development of the P2 P network lending industry are all the problems to be solved..This paper hopes to study the risk control of the P2 P network lending platform,and collate the risks and problems that exist in the current industry,and provide some suggestions and suggestions on this basis.In order to achieve this research goal,the main achievements of the paper are as follows:(1)from the global point of view,the current situation of the P2 P network lending platform has been analyzed by industry data,including the total number of P2 P network lending platform,the cumulative turnover of the P2 P network lending platform,the situation of the problem platform,the trend of public opinion and the future development trend.(2)we selected two typical "positive and negative" cases in the P2 P network lending platform-"e rents" and rapped loans for case analysis,and summed up the common problems and risks of the P2 P network lending platform.(3)aiming at the most important credit risk in the P2 P network lending risk,we have used some existing personal credit risk management models to optimize the P2 P network credit risk assessment method,and use the AHP level analysis to establish a simple model,and select the example to verify the model.(4)take the platform itself and the two aspects of the platform as the starting point to improve the existing problems and formulate comprehensive and scientific risk prevention countermeasures to promote the development of the P2 P network lending industry in our country more healthily and orderly.