Research On Credit Risk Management Of P2P Business In A Company

The development of P2P network credit has gone through the germination period and the outbreak period in our country,and has been in a stable period after some row shuffling.This paper analyzes the advantages and disadvantages of P2P network loan platform in risk assessment and risk management in China by using the theory of risk management.Through the traditional credit risk analysis point of view,this paper emphatically analyzes the particularity of P2P network loan platform,and takes the personal credit business as an example to carry on the concrete quantitative analysis.Credit business is the business of business risk,risk is impossible to avoid,but P2P network loan platform and banks are risk preference industry,so it is necessary to combine the network loan platform's own business situation to do a good job of risk control,through the power of management to minimize the loss of credit risk.With the help of asymmetric theory and the basic content of comprehensive risk management theory,this paper analyzes the problems existing in risk analysis and management of Formula A Network loan platform,and puts forward some solutions.(1)This paper analyzes the credit risk management of P2P Network credit platform of A network platform,mainly analyzes the present situation of credit risk management of a company's P2P credit platform from the perspective of the business expansion of A Company's P2P credit platform and the status quo of credit risk management,and the lack of organizational structure of credit risk management,the absence of credit system process management system,The lag of quantitative tools and management methods of credit risk management,the lack of talents in credit risk management and the causes of credit risk management are analyzed in five aspects,the problems existing in credit risk management of credit platform of company A P2P.(2)The credit risk management system of company A P2P Credit platform is constructed,including the organization structure of platform credit risk management,and the risk management control flow based on the credit risk management control process of business and the credit risk management control process of investment products on both sides of matchmaking network loan.On the basis of comparing the traditional credit risk assessment method,this paper puts forward a new idea of the P2P Network Credit Risk assessment method of A company,mainly from the assessment of borrowers,the evaluation of the diversification of investors 'investment,the evaluation of the Network loan platform three aspects of the credit risk assessment system of company A P2P Credit Platform,And take the personal and enterprise user Credit risk assessment tool as an example to carry on the example analysis.(3)This paper puts forward some suggestions on the implementation of credit risk management system of company A P2P Credit platform,including the establishment of credit risk management system of company A P2P Credit platform,the core Establishment supervision group of Credit Risk Management Committee,and the guarantee of implementing credit risk management system in three aspects.