Research On Risk Control Of P2P Network Loanplatform In China

In 2007,P2P network loan platform was developed in China as a new form of non-governmental lending.As of December 31,2018,The number of P2P network loan platforms in China has reached 6555.The rapid development of P2P network loan industry in our country is due to the development of Internet technology in our country,which makes P2P network loan platform have a certain support base;Second,because many borrowers can not borrow funds in the bank,the interest rate of the private small loan companies also limits the borrower's borrowing,so there is a very large demand market;On the part of investors,due to the imperfect domestic financial system and the lack of rich and diverse wealth management products to meet the needs of investors,the emergence of P2P network lending platform has lowered the threshold for investors to invest,and is very popular with the majority of investors.So P2P industry has great development potential in our country.However,due to the imperfection of many supporting policies,P2P network loan platform still faces many problems in the development process,so it is necessary to deal with the various risks in the development process.Therefore,it is very important to solve the problems encountered in the process of development in time for the healthy development of P2P network loan platform.This paper mainly from the following aspects to study the P2P network loan platform risk control problems and countermeasures:first,from the P2P network loan platform quantity analysis,transaction volume analysis,background analysis,Comprehensive yield and term analysis,borrower and investor analysis,risk management model analysis,etc.,the current development of P2P industry in China is described in detail.Secondly,the paper summarizes all kinds of risks encountered in the development of P2P industry and the causes of them,which can find the source of the problems in risk control.The main risks faced by P2P industry include credit risk,liquidity risk,and so on.Market risk,operational risk,reputation risk,legal risk.Thirdly,the main problems existing in the risk control of P2P industry in our country are studied by case analysis method,which is helpful to put forward effective measures to solve the problems in the control.Through the research,it can be concluded that the credit collection system is inot perfect,the technical level is not high,the professional staff is lacking,the information disclosure is incomplete,the funds trust is not perfect,and the industry standard is not standard in the risk control of P2P network loan platform in our country at present.A series of problems such as imperfect laws and regulations.Then,through the analysis of domestic and foreign excellent network loan platform risk control experience,it is helpful to establish an effective risk control system for the network loan platform in P2P network loan industry.Finally,aiming at the problem of risk control,this paper puts forward some suggestions from the angle of government and platform.The government strives to create a good development environment for P2P industry,and the platform continues to improve its compliance and learn from the high-quality platform in the industry.