Research On Risk Management Of Personal Lending Business Of S Paipai Loan Company

With the rapid development,Internet finance industry has become an important part of inclusive finance in China.With the development of China's Internet industry,the Internet finance industry rises rapidly.However,due to the imperfect construction of relevant laws,regulations and credit system,the good and bad of Internet finance companies are intermingled.By summarizing the position of P2 P lending industry and the relevant laws and regulations in recent years,this paper analyzes the current situation of P2 P lending industry and explores the finance and Internet logic behind PPDai company's 157 billion yuan personal loan matching scale.It also discusses the personal credit business process and mode of PPDai company,the essence of loan matching business and the mode of risk management.Moreover,in the paper,the personal credit platform risk is classified as four aspects,that is market risk,personal credit risk,the Internet technology risk and reputation risk.Finally,this paper gives some risk management suggestions on PPDai company from the perspective of regulators,industry mutual assistance,qualified investors and investor education and the construction of risk management system of PPDai itself.