Study On The Risk Analysis And Prevention Of P2P NET Loan In China

With the continuous development of Internet technology,more and more Internet derivatives,based on the traditional lending model derived from the "P2P" network credit,relying on the Internet platform,to achieve borrowers and lenders to complete the lending business lending platform.This mode provides various financial choices for the holders of social idle funds,satisfies market financing needs,enriches market financing channels,helps to improve the utilization rate of social idle funds,promotes the flow of funds in China,and promotes social and economic development.In recent years,China's P2 P net loan has developed rapidly.As of July 2018,the number of industrial cumulative platforms reached 6,557,and the transaction volume reached more than 800 trillion yuan.As a new financial lending mode,P2 P network loan enriches the channels of private lending to a certain extent,and has the advantages of flexibility,convenience and speediness.Compared with the traditional financial institutions,diversification meets the needs of the market.Along with the three party payment platforms such as fortune paid,Alipay,WeChat and so on,P2 P network lending service has been launched.China's Internet economy is moving faster and the recruitment rate of funds is higher.However,due to the short history of P2 P network loan,imperfect personal/enterprise credit reporting system,inadequate monitoring of Internet information technology and incomplete laws and regulations,illegal and criminal acts such as embezzlement and embezzlement of funds,escape of P2 P network loan legal persons and false declaration by borrowers have been triggered,thus damaging the people's personal wealth.It is safe to produce.Therefore,this paper analyzes the various components of the P2 P network loan industry chain.Through the empirical analysis of the risk index of the P2 P network loan platform in China,it concludes that there are four risk factors in the P2 P network loan: credit risk,operational risk,technical risk,policy risk,and analyzes the four risk factors in the P2 P network loan.The harm brought by the development of the platform is analyzed,and the role and deficiency of the "3 + 1" regulatory system in dealing with the four major risk factors are analyzed,so as to put forward my suggestions and prospects for the future development of P2 P lending platform.