Research On Financial Risk Management Of PPDF P2P Loan Platform

With the rapid development of Internet finance,P2 P network loan platform is favored by many investors.Because of its low threshold,high return,easy operation and so on,it better meets the financial needs of many investors,and provides a new financing channel for many leaders who are difficult to obtain loans from banks and other financial institutions,meeting the market demand that banks cannot meet.Due to the short history and immature development of P2 P network loan in China,platform problems occur constantly,and the risk control of P2 P network lending platform has become a topic of public concern.This paper combines the specific characteristics of the online lending industry to analyze the financial risks of the P2 P online lending platform under the new situation of tightening supervision,which is conducive to the more compliance of the P2 P online lending platform to control its own financial risks.The research object of this paper is PPDF.This paper adopts the methods of literature research,case analysis,contrast analysis and so on.PPDF is the first network credit platform in China.In recent years,the company has achieved good development results through its continuous efforts.However,due to the short operation time and lack of experience,the company has encountered many obstacles and problems in the operation process.Therefore,this paper analyzes the company's risk control status quo,and specifically analyzes the financial risks faced by the company's P2 P online lending platform.This paper analyzes the capital risk,liquidity risk,asset quality risk and profitability risk of PPDF,and finds that there are some problems in the company,such as high leverage ratio,more concentrated investors,mismatch of time limit,high overdue rate,high loan interest rate and imperfect disclosure of financial information.And it puts forward concrete suggestions from three aspects: perfecting financial risk management system,strengthening internal staff management and strengthening inter-industry cooperation.