Risk Control Analysis Of P2P Enterprises Under Internet Financial Supervision Policy

In 2007,PPDAI,as the first P2P lending platform in China,appeared in the public eye,and the P2P industry started its slow development.As of 2011,the number of active investors in the P2P industry was around 10,000.In 2012,P2P industry into the crazy development stage,the number of personnel involved in P2P industry expands rapidly,due to the loose regulatory environment,there is a huge risk in the industry,appearing a lot of problems platform,many enterprises unable to pay the debt,cause capital chain rupture,and a few company attempt to fraud for money,directly take money away,causing a sharp decline in investor confidence of the whole industry.In December 2015,Ezubao's suspected illegal fundraising event involving a large amount of funds drew widespread attention,making people realize that it has become urgent to promote the supervision process of P2P.On December 28,2015,China banking regulatory commission and other four ministries and commissions issued the interim measures for the management of business activities of online lending information intermediaries(draft for comments),which started the supervision of P2P online lending industry.After the supreme people's court to launch the trial of private lending provisions on some issues of applicable law case,determine the intermediary liability of P2P,the China banking regulatory commission launched the network lending funds depository business guidance and P2P industry fund depository institution for the constraints,the risk control of P2P industry norms from various perspectives,promote industry compliance process,From the perspective of enterprise,this paper takes the time when the country introduces relevant P2P industry regulatory policies as the baseline,and analyzes the risk control situation of P2P enterprises before and after the introduction of relevant policies through the literature analysis method and comparative analysis method.Suggestions for remaining problems.The first chapter of this paper is the introduction,which mainly introduces the background and significance of this paper.The literature review section expounds the four parts of Internet finance,Internet finance overview,risk control and P2P enterprise risk,supervision and risk control,respectively.The research contents and methods of this paper are introduced.The second chapter is the concept definition and related theories.It defines three concepts of internet finance,P2P and risk management,as well as comprehensive risk management and information asymmetry.The third chapter analyzes the current situation of risk control of P2P industry in China's Internet finance,mainly expounds the overall situation of P2P industry,and analyzes the four risks of credit,capital,guarantee and law.The fourth chapter is the case analysis.Firstly,it briefly introduces the situation of the Yirendai,expounds the status quo of its risk control,proposes the current risk problems,and makes suggestions on the existing problems: First,maintain information transparency.The second is to improve third-party guarantees,the third is to pay attention to the follow-up fund depository policy,and the fourth is to pay attention to legal risks.In terms of industry,in addition to accelerating the improvement of the credit information system and improving the self-discipline of the industry,it is necessary to impose more restrictions on third-party guarantees and promote the strict implementation of fund deposits at the level of laws and regulations.Innovation of this paper lies in: currently,It's time for most of the regulatory policies to land and inspect,enterprises that enable to pass the test of risk control has almost quit the industry,these enterprises can't meet the entry are also unable to enter the industry,the current regulatory environment is relatively tight and perfect,on this basis,select the enterprise with better risk control and combining with the current regulatory policy analysis,the problem gained is more universal applicability,which would be better for strengthening risk control of other enterprises and play a guiding role,at the same time,all risk control ability or measures is superior to the industry of the excellent enterprise can also point out the direction for the development of industry.