A Research Of Risk Management And Control For P2P Network Lending

With the continuous development and changes of China's economy,P2P network lending plays an increasingly important role in the national economy and has become an important part of China's economic growth.Looking back on the development of P2P,since the establishment of'paipaidai' in 2007,China's P2P online lending platform has started from scratch and developed slowly.Until 2013,the year was called the first year of Internet finance.All kinds of capital poured in crazily,and the number of P2P platforms have mushroomed like bamboo shoots after a spring rain.The P2P industry had entered a period of 'barbaric growth' and was in a state of chaotic and disorderly rapid development.Incidents such as platform runaway,campus loan,naked loan and violent collection had aroused the attention of all sectors of society.Was Internet financial rectification in 2016,the state council general office issued 'on the Internet financial risks rectification work plan',the Internet financial industry represented by P2P lending to a wide range of screening and treatment,regulators also issued a series of subsequent regulatory rules and the embargo,to consolidation of P2P lending,P2P industry into the era of strong regulation,most of the risk control ability of platform with poor start was forced to withdraw.It can be seen from this that the main development direction of P2P industry in the future is to correctly recognize and control the risks of P2P online lending,and develop around risk control and prevention.This paper first introduces the research background,research significance and research content,and then discusses the relevant concepts of P2P lending,analyzes the development status of P2P lending industry in China from the four dimensions of the number and distribution of platforms,transaction volume and loan balance,transaction number and activity,yield level and term.This paper also discusses several common models of P2P lending platforms in China and summarizes the existing problems in the development and operation of P2P lending platforms in China.Secondly,the paper analyzes the causes of risks of China's P2P lending platforms from both internal and external aspects,and summarizes the main risks faced by China's P2P lending platforms.By comparing the differences between China and the United States in risk management and control of P2P online lending,this paper discusses the reasons for the differences and draws relevant enlightenment.Based on the actual case of X company,this paper makes an in-depth discussion on the implementation of risk control measures and improvement Suggestions of X platform on P2P on lending platform under the internal process control mechanism and external strong supervision environment.Finally,this paper analyzes the related parties of P2P lending:regulators,P2P platforms,capital lenders and borrowers,and proposes risk control schemes from the macro and micro perspectives,so as to provide thinking directions for the better development of China's P2P lending industry.