Research On Risk Management And Control Of P2P Platform Under Supply Chain Financial Mode

P2P supply chain finance is the product of P2P and supply chain finance.It connects the borrower and the supply chain as a whole through the P2P platform,and provides the overall credit and financing services for the core enterprises in the supply chain finance and their upstream and downstream enterprises.P2P supply chain finance can solve the financing problem of small and micro enterprises in China,and alleviate the situation that small and micro enterprises can not obtain loans in traditional institutions.The supply chain financial model provides a new idea for the P2P platform and solves the problem of the asset shortage of the P2P platform.It is the focus of the P2P platform in the future.However,P2P itself is a risk-prone industry.In theory,the supply chain financial model can reduce the credit risk of P2P platform,but at the same time,the platform also faces problems such as poor core enterprise qualifications and difficulty in obtaining enterprise data.How to supply chain financial models The identification and control of the risk of the P2P platform is related to the healthy development of P2P supply chain finance.P2P+ supply chain finance is still a new model.Domestic research focuses on supply chain finance.There are few documents combined with cases to analyze the risks of P2P platform under supply chain finance mode.As a representative platform under this model,grassroots investment is worth studying.The case analysis of this paper has certain practical significance and has a certain reference for perfecting the theory of P2P platform risk control.This paper first analyzes the traditional supply chain finance model and the combination of supply chain finance and P2P.On this basis,it conducts an in-depth analysis of the grassroots investment platform,sorts out the causes of the mine explosion,and identifies the risks of the platform.The analytic hierarchy process is used to evaluate the risk of the P2P platform under the supply chain financial model,and the risk control measures are proposed based on the weight evaluation results.The study finds that the P2P platform under the supply chain financial model is still the main risk faced by credit risk and financial risk.The credit risk brought by the core enterprise is worthy of attention.Therefore,it is necessary to establish a core enterprise access mechanism and do a good job in pre-lending management.In order to control the platform risk.