Research On Financial Risks Of HL Online Lending Platforms

Lending to 2007,the first network platform officially launches.More and more people and companies begin to have Peer-to-Peer lending because its information is fast and flexible,its procedures is convenient,gradually become a hot social network lending,lending to the new network platform have sprung up appear constantly.According to statistics,there were about 2669 problematic online lending platforms by the end of December 2018,and the failure of many online lending also sounded a warning bell.Therefore,it is of theoretical significance to study the risk management of Internet lending platforms.In this paper,based on the related theory of financial risk control,combined with network HL lending data platform,a platform of network HL loans in the analyze and evaluation on the financial risk control,mainly from the assets quality risk,liquidity risk,the risk of capital risk and profitability four aspects to analyze it,and connecting with the data and operation mode of the platform found the HL lending to network platform on the problems existing in the financial risk control,put forward to perfect the network HL lending platform of financial risk control suggestions.Starting from the platform itself,this paper puts forward some suggestions on how to parallel the risk reserve model with the third-loan management,combine the online and offline loan review,and explore high-quality borrowers.It is of great practical significance to strengthen the financial risk control of online lending platforms.As industry regulation and legal support have not kept pace with the development of online lending platforms,problems with online lending platforms have emerged frequently.To solve the problem of financial risk control of online lending platform,it is necessary to combine the operation mode and characteristics of the platform.The Suggestions put forward in this paper have reference significance for improving the financial risk control of online lending platform.