Reserch On Risk Control Of P2P Online Loan Platform In China

China's P2 P network lending industry as a small micro-finance,its rise for the entire financial ecosystem to build a new important link.However,with the explosion of “E-rent treasure”,“Qian bao”and other P2 P platforms,P2 P online lending platforms have brought very negative impacts to the society.That impact on social stability,and bring a bad reputation to the P2 P industry?It is not conducive to the development of the P2 P industry,which is contrary to the original intention of the network lending industry As the top enterprises in P2 P industry,such as Lu.com and Paipai loan,their good development trend shows that there is still great room for the future of the network lending industry.But for the current P2 P industry risks,whether it is the platform itself,or as a regulatory agency and its government units,need to take more measures to manage and monitor.Under the controllable risk,the good development of P2 P industry will inject vitality into economic development and play an economic “lubricant” role.This paper begins with introduces the relevant theories of P2 P network lending platform,introduces and expounds the characteristics,operation mode,development status and existing problems of P2 P network lending platform.The focus of this paper is to analyze the six dimensions of transaction,compliance,transparency,investment dispersion,yield and activity based on AHP.By quantifying some qualitative indicators,the model is constructed to quantify the risk factors of P2 P lending platforms.The analysis shows that compliance,transparency and diversification of investment have a significant impact on the risk control of the platform.Through the empirical analysis of five P2 P platforms selected,the empirical results show that the bankrupt Anjie wealth platform has the lowest score and Lu.com has the highest score.It is proved that the established risk control evaluation system has certain guiding effect on the risk control of the platform.Finally,based on the analysis results of empirical analysis,this paper puts forward relevant suggestions on the internal and external risk control of P2 P and the improvement of P2 P protection mechanism.