Research On The Development Of P2P Network Lending Platform In China Under The Risk Control Theory

Since the introduction of P2 P network lending concept in China,"net loan" has become the most popular vocabulary nowadays.With the rapid development of this industry,a wide range of problems are also happening.Because in our country,there has no credit rating system and corresponding laws and mature regulations to its supervision,the lack of spontaneous institutions or organizations on the platform constraints.Now,P2 P network lending platform is very chaotic situation.In 2016,in the actual operation of the 5877 platforms,there are 2456 platforms appeared esception,closed and other issues.In August 2011,the risk of P2 P network loan platform caused the attention of regulators,the CBRC issued a "notice of the risk of everyone to inform";2013,because of the frequent flow of funds irregular circulation issues,the People's Bank of China issued,the situation of the network loan platform was multiplied,and the CBRC made it clear that the P2 P network lending platform business could not touch the "four red lines".In 2016,related departments issued a "network lending information intermediary registration management guidelines",clear the platform must implement the fund custody system and industry access system.Thus,to solve the P2 P network loan industry risk problems is gradually being put on the agenda of the regulatory authorities.In this paper,we first describe the related research literature and risk control theory.Secondly,this paper analyzes the different platform models and divides our P2 P network borrowing platform into four categories: traditional "electric business" mode,new "O2O" mode,"financial" + "P2P" mode and New "financial power" model.Then,according to the lending activities,divide activities into different stages.And by comparing the different risk prevention and control measures of P2 P network borrowing platforms,using the logistic model,analyzes which risk control measures can better promote the healthy development of the platform.Finally,summarize the existing problems of P2 P network lending platform,and how to protect the interests of investors and improve the operation of the platforms.