The Study On Risk Management Of P2P Lending Platform

In the era of the Internet,the pace of technological innovation is accelerating,and this change is particularly prominent in the P2Ponline loan industry characterized by the Internet.Experiencing the early development in the P2Ponline loan industry has also exposed a series of difficulties,such as stagnation of development,retreat of a large number of platforms,and difficult transitional development.At the same time,the regulatory institutions has also begun to strengthen the specification of the P2Ponline loan industry,it is necessary to study the development of the current P2P industry and solve its difficulties.Firstly,the P2P industry is collated and researched from the perspectives of risk classification,risk causes and risk prevention countermeasures.Secondly,this article analyzes the current situation and development trend of the P2P loan industry,and researches the existing problems in the P2P industry.In addition,the article makes an in-depth analysis of the business model and risk management of the Hongling Venture Capital under the background of tightening supervision,and summarizes the trouble Hongling Venture Capital is facing with.After that,using AHP to select multiple indicators to comprehensively measure the risk faced by Hongling Venture Capital.Finally,on the basis of the cause of Hongling Venture Capital,the Hongling Venture Capital tries to provide suggestions and opinions on how to develop the P2P industry in a more rigid background.The innovative nature of the article is that it is a proper time frame for us to research and summarize the problems that P2P industry is facing with and to propose solutions to help solve these problems in this new era of strict supervision,in particular,at the important time point when P2P platforms competed for record qualifications in 2018.