The Research On Improving P2P Net Loan Platform Operation Risk In Ehui Wealth Co,Ltd?

Operational risk refers to the fact that,in the process of enterprise operation management,due to the variability and complexity of external environment and the limited cognition and adaptability of operating subjects to the objective environment,enterprise operation failure or operation activities cannot achieve the expected objectives.Operation risk does not refer to a specific risk,but contains a series of specific risks.Therefore,operation risk management is a quite important topic for the P2 P industry with chaotic frequency.This paper,guided by the basic theories of operation management and risk management,takes the P2 P lending platform of Hubei Ehui finance as the research object,and optimizes its existing risk management system and forms a complete optimization scheme.This paper focuses on the P2 P lending platform of Ehui finance,adopts the data analysis method,and assists with the interview method and on-site observation method to conduct in-depth investigation and analysis of various aspects of operation management and risk management of the company.Firstly,it expounds the development and operation mode of P2 P industry at home and abroad,including the research on P2 P industry by domestic and foreign scholars.Secondly,it describes the operating status of the Ehui financial P2 P lending platform and analyzes its operational risk management status and problems.We found that the risk identification through analysis,risk measurement and risk control of Ehui financial P2 P lending platform are deficient,and the risk awareness of employees needs to be strengthened.Then based on the risk management theory and the actual situation of the platform,the risk management system of the Ehui financial P2 P lending platform is optimized from three dimensions of risk identification,risk measurement and risk control,and propose the optimized objectives.Finally,figured out the possible problems of the risk management optimization of the P2 P lending platform of Ehui financial and the safeguard measures should be taken.This thesis focus on the policy and regulations in the current severe environment,do research on Ehui financial P2 P lending platform risk management status,and Put forward its risk management optimization program.From the conclusio n of the conclusion of this thesis,the focus of operational risk management of P2 P enterprises should be on preventing policy risks and strengthening the construction of platform risk management system.This paper is expected to help the platform improve its internal management and control its operational risks.At the same time,it is also expected to have some reference value for the research on the operation and management of other P2 P lending companies.