Research On Risk Problem Of P2P Network Lending Platform

In 2007,since the establishment of China's first P2 P platform(patrolling loan),due to its low threshold,unsecured guarantee,and convenient and fast,China's P2 P industry has entered a fast-developing lane.However,due to the lack of strict control of industry risks and the lack of external supervision,the risk of China's online lending industry is frequent.In the 12 years of P2 P online lending industry development,the P2 P platform has experienced three thunderstorms.Although the risk triggers are different,the deep-seated problems are the same: P2 P is long-term free from supervision in China.Alienation,deviation from the essence.By the end of 2018,more than 2,500 platforms in China were suspected of illegal fund-raising,difficulty in withdrawing funds,or running with money,which seriously damaged the interests of investors and caused public panic and distrust of the P2 P online lending industry.Control and risk warning are particularly important for the long-term sustainability of the P2 P platform.This paper is divided into five parts.The first part is the introduction.It briefly introduces the background of writing,domestic and international research summary,research ideas,article innovation and inadequacies.The second part is an overview of online lending and expounds the concept of online lending.The characteristics and functions of the P2 P platform in China are also reflected in the operational model and development status of China's P2 P platform.The third part is to establish a risk evaluation system based on the risk indicators of the second part.The fourth part is to establish a logistic risk measurement model based on the risk evaluation system to realize the identification or prediction of the problem platform and the non-problem platform.The last part is the countermeasures and suggestions.Through the above research,this paper draws the following conclusions:First,China's current P2 P online lending risk is mainly concentrated in internal business risks,liquidity risks,credit risks,external regulatory risks and information disclosure risks.Second,China's P2 P platform involves a lot of risks.By establishing a risk measurement model,it can enable the regulatory authorities,platforms and investors to enhance the awareness of risk warning,and deal with potential risks of the platform in advance.Third,for the internal and external risks of the platform,effective preventive measures are proposed.