Research On Risk Control Strategy Of Domestic P2p Lengding Platform

P2P online lending is a kind of private micro-lending method that brings together scattered small funds to lend to people in need of funds.P2P online lending is a new lending model based on Internet technology,which meets the consumption and operational loan needs of individuals and small and micro enterprises,promotes the development of inclusive finance to a certain extent,and is also conducive to the improvement of the national financial system.P2P online lending platform is accepted by the masses for its flexible transaction mode and low entry threshold.Since the introduction of P2P online lending platform in 2006,China's P2P online lending platform has developed rapidly.Shanghai paipaidai is the earliest P2P online lending platform in China.Although P2P online lending platform has been introduced into China for a short time,it has ushered in the rapid expansion stage of "blowout" under the background of booming Internet economy.The emerging financing forms are relatively less in terms of borrowing and lending conditions,reducing the constraint of traditional commercial Banks to require collateral as credit risk reduction,and solving the financing barriers for small and micro enterprises.Undoubtedly,P2P online lending platforms have their positive role.However,in the face of the failure of the current departmental platform due to weak risk control ability,resulting in chaos in the Internet financial loan industry,resulting in the loss of investors'interests,it is undeniable that the online loan platform is suffering from severe challenges.With short development time and fast expansion speed,the inherent blindness of online loan platforms reminds us to construct and improve the industry risk control mechanism,solve the problem of"what to prevent and how to prevent" in the process of platform operation,and strengthen internal and external environment management.In order to enrich the theoretical basis and practical guiding role of the article,this paper USES the methods of literature analysis,the combination of theory and empirical analysis,comparative analysis and so on.In terms of research content,this paper focuses on the current situation of risk control of P2P online lending platform,analyzes the problems existing in common risk control system in China,and then combines with creditease,a representative enterprise of P2P online lending platform in China.The risk control measures of creditease are analyzed by enumerating the factors that influence the risk control of creditease,such as the risk of bond transfer,the risk of bond transfer,the risk of unsecured loan,etc.Starting from the internal environment management and external environment management,it is concluded that the network loan platform should improve the operation risk control and promotion path from the perspective of preventing credit risks and strengthening the internal risk management of enterprises.